What should I have achieved by 29? This is a question that plagues many young adults. We are constantly inundated with messages about what we “should” be doing with our lives, and it can be hard to keep up. So, what should you have accomplished by age 29?
For some people, their twenties are a time to focus on their career. They might want to establish themselves in their chosen field, or climb the corporate ladder. Others might use their twenties to travel the world or go backpacking across Europe. And for some people, their twenties are a time to start a family.
There is no right or wrong answer when it comes to what you should have achieved by 29. It’s all about what works for you and what makes you happy. So if you’re wondering whether you’re on track for where you want to be in life, ask yourself this question: What do I want achieve by 29? Once you know the answer to that, everything else will fall into place.
Find out your credit score
There are a few different ways to find out your credit score. You can order a free copy of your credit report from each of the three major credit reporting agencies – Experian, TransUnion, and Equifax – once every 12 months at AnnualCreditReport.com. Or you can use a free online service like CreditKarma or CreditSesame to get a snapshot of your credit score from TransUnion or Equifax (Experian does not currently participate in these services).
Once you have your credit scores, take a look at them and see where you stand. If your scores are good (700 or above), congratulations! You’re in good shape and should be able to qualify for loans and lines of credit at favorable interest rates. If your scores are fair (640-699), there’s room for improvement but you should still be able to get most loans and lines of credit that you apply for. If your scores are poor (below 640), it will be more difficult to get loans and lines of credit, and the ones that you do get will likely have higher interest rates than if you had good or excellent scores. But don’t despair – even if your scores are poor, there are things that you can do to improve them over time so that eventually, you’ll be able to access the same loan products as people with excellent credit scores.
Pay down your debts
It’s never too early to start paying down your debts. The sooner you start, the better off you’ll be in the long run. By the time you’re 29, you should have made significant progress in paying off your debts.
Debt can be a major financial burden, weighing you down and preventing you from moving forward in life. It can feel like an insurmountable task, but it is possible to get out of debt and improve your financial situation.
There are a few things you can do to pay down your debts:
1) Make more than the minimum payment each month – This will help reduce the amount of interest you’re paying and will get rid of your debt faster.
2) Negotiate with your creditors – If you’re struggling to make payments, reach out to your creditors and see if they’re willing to negotiate a lower interest rate or payment plan that works better for you.
3) Create a budget – Knowing where your money is going each month will help you make informed choices about how to spend it and can help free up some extra cash that can go towards paying off debt.
Attend college…in person
It’s never too late to attend college! Whether you’re 29 or 79, there are plenty of benefits to attending college.
For one, attending college can help you expand your horizons and learn new things. It’s a great way to meet people from different backgrounds and cultures, and learn about subjects you may have never even considered before. Even if you don’t end up majoring in something you studied while in college, the experience can still be valuable.
Secondly, going to college can help improve your career prospects. A degree from a good school can open doors that would otherwise be closed to you, and give you an edge over other job applicants who don’t have a similar level of education. Even if you don’t plan on using your degree right away, having it on your resume will make you more attractive to potential employers down the line.
Finally, attending college is simply a lot of fun! You’ll get to experience life away from home for the first time (if you didn’t go straight from high school), make new friends, and enjoy all the activities that come with being a student. College campuses are often lively places full of energy and excitement, so it’s no wonder so many people look back on their time in college fondly as some of the best years of their lives.
Whether your goal is to learn something new, jumpstart your career, or just have a good time, there’s no reason not to consider going back to school at 29 (or any age for that matter). So what are you waiting for? Start researching colleges today!
Get yourself fired
1. Do the bare minimum. This is the easiest way to get yourself fired. If you’re not putting in the effort at work, your boss will eventually catch on and let you go.
2. Be constantly late or absent. If you’re always late for work or take too many days off, your employer will eventually get fed up and let you go.
3. Get into arguments with co-workers or customers. This is a surefire way to create tension at work and make enemies out of your colleagues. Eventually, this will lead to your firing.
Travel abroad…on the cheap
Few things in life are as rewarding as taking an extended trip abroad. Seeing new cultures, trying new foods and experiencing different lifestyles can be eye-opening and life-changing experiences. However, for many people, the high cost of international travel can be a prohibitive factor. Fortunately, there are ways to see the world on a budget.
There are a number of ways to cut costs when planning international travel. One of the most obvious is to choose your destination carefully. Some countries are simply more expensive to visit than others. For example, Western European countries like France and Italy tend to be relatively pricey, while Eastern European destinations like Poland and Hungary can be much more affordable. Similarly, developed countries with strong currencies like Australia and Japan will usually be more expensive than developing nations with weaker economies. Of course, there are always exceptions to these generalizations – it pays to do your research before booking anything!
Another way to save money when traveling internationally is by using budget airlines whenever possible. In recent years, these carriers have become increasingly popular all over the world, offering cheap flights between major cities in Europe, Asia and elsewhere. Although they may not offer all the amenities of a traditional airline (such as free checked baggage or in-flight meals), their low fares can make them a great option for thrifty travelers looking to stretch their dollars further.
Once you’ve arrived at your destination, there are plenty of other ways to save money as well. One is simply by avoiding tourist traps – those popular attractions that tend to be crowded and expensive (think the Eiffel Tower in Paris or Times Square in New York City). Instead of spending your hard-earned cash on overpriced souvenirs or meals at mediocre restaurants catering primarily to tourists, take some time explore off the beaten path – you may just find some hidden gems that locals love but visitors rarely know about! Additionally, try doing some research before you go so that you can plan free or low-cost activities into your trip itinerary. This could include anything from visiting museums or art galleries (which often have free admission days) to hiking through scenic nature trails. And last but not least, don’t forget that couchsurfing – staying for free with a local host via an online community – is always an option if you’re really looking to cut costs while traveling.
Move to a new city
Moving to a new city can be an exciting and daunting prospect. On the one hand, you have the opportunity to start fresh in a new place and explore all that it has to offer. On the other hand, you may feel overwhelmed by the thought of leaving your current home and community behind.
If you’re considering making a move to a new city, there are a few things you should keep in mind. First, take some time to research different areas that interest you. Consider factors like cost of living, climate, job prospects, and quality of life when making your decision. Once you’ve narrowed down your options, visit each city on your list and get a feel for what it’s like.
Once you’ve found the perfect place, it’s time to start planning your move. Make sure you give yourself plenty of time to pack up your belongings and say goodbye to your current home. If possible, line up housing and employment in advance so that you can hit the ground running when you arrive in your new city.
Moving to a new city can be an exciting adventure. With some careful planning and preparation, it can also be a smooth transition into a happy and fulfilling life in your new home.