30 Expenses Every 30-Something Can Relate To

4 Minute Read

The days of groveling for internships and decoding the dating scene are over. Thank goodness!

Now that you’re 30-something, life is normalizing. And it’s time to enjoy a career you’ve worked hard for and a family you adore. But it’s also time to step it up financially.

Here are 30 common expenses to plan for in your 30s.

1. Debt Repayment

Don’t let debt follow you into your 40s. 

2. Mortgage

Before buying a house, get out of debt and save up a decent down payment (we recommend at least 10%, but preferably 20%). Oh, and beef up that emergency fund to cover those big emergencies!

3. Property Taxes

Now that you’re a homeowner, you get to pay for a little piece of the earth. Fun.

4. Children

If you’re having babies in your 30s, you’ll be shelling out for car seats, diapers, onesies and doctor visits. 

5. Medical Insurance

Adding to your household translates into higher insurance premiums. Don’t let this one slide. Keep your family covered at all times.

6. Term Life Insurance

Now that you have a family to support, you need term life insurance. End of story.

7. Gym Memberships

Your body isn’t what it once was. Unless you plan on pounding the pavement, budget for a health club.

8. Retirement Savings

Capitalize on compound interest! Invest now so you won’t be living off Social Insecurity later.

9. College Funds

Save for your little ones’ college educations after you’re out of debt and dropping 15% of your household income into a retirement fund.

10. Glasses/Contacts

It’ll be nice to read a book again without squinting.

11. Furniture

Good-bye mismatched hand-me-downs. Hello classy bedroom suite.

12. Car Replacement

Your college car running on fumes? Make sure your new-to-you replacement is well within your means.

13. Moving Expenses

If you relocate for a job, buy that first house, or move to be near family, expect to part with a nice chunk of change.

14. More Food

You’ve got more mouths to feed. Budget more money to feed them.

15. Kids’ Commissions

As your kids start doing chores for money, remember: That money comes from you. 

16. Better Clothes

Ready to get rid of those cheap, fall-apart pieces? Prepare yourself. Nicer clothes cost more cash.

17. Family Portraits

Kodak moments may be free, but professional photo sessions are not.

18. Kids’ Extracurriculars

Ballet. Soccer. Music lessons. All that talent costs money. And time.

19. Annual Vacations

From additional plane tickets to extra hotel rooms, a week at Disney ain’t cheap.

20. Lawn Care/Housekeeper

You can finally afford to pay someone else to do some of those dreaded household tasks. Yippee!

21. Professional Organizations

Pay your dues. That’s all.

22. Date Nights

While delivery pizza will always have a place in your heart, your palette’s probably a little more adventurous by now. Budget accordingly.

23. Babysitters

Don’t forget the hidden cost of date night: paying someone to watch your little ones sleep. Ah, the price of freedom.

24. Home Repairs

Owning a home is great, but don’t get caught off guard by all the home repairs that pop up. That’s just part of owning a home.  

25. Continuing Education

If you’re ready to advance your career, college may be calling. Cash-flow it or don’t go. 

26. Electronics Upgrades

New computers, tablets, TVs and cell phones are probably in your future.

27. Celebrations

As your friends and family members expand their broods, you can count on a lot more wedding showers, baby showers and birthday parties. Gifts are appreciated.

28. Pet Care

Save for routine pet care and surgeries as your pup ages. 

29. Memberships

Don’t forget about your annual memberships to Costco, Sam’s Club or AAA.

30. Extra Giving

If you have some extra cash to give away, think about donating to a local charity or cause you’re passionate about.

Your 30s are a prime time to get your money in working order. Don’t miss out by living in the past or waiting for the future.


Let’s get to know one another.

Chat with us for about 15 minutes, and we’ll create a custom test-drive of SmartDollar for you.

We’d love to get to know you better.

Just let us know what we can do to help you today.