When you hit your thirties, you might still feel young and invincible. The scary truth is that you are halfway to retirement. It is time to put the money foolhardiness of your twenties behind you and become more frugal with your cash by mastering these top financial habits. Most twenty-somethings have played around with the idea of a budget, have used a budgeting app and have even read an article or two about the importance of creating a budget.
By the time you reach your 30s, you will have wised up to many of the foolish money habits of your 20s. It might be just as tempting to give in to careless spending, impulsive buying and paycheck-to-paycheck living, but at least you know better now. After all, you are about halfway to retirement, and the following guidelines will help you get there comfortably. YOU REALLY DO NEED AN EMERGENCY FUND Sometimes it seems that that older you become, the more expensive your problems are.
Student loan debt keeps rising, and according to the latest findings, the Class of 2016 left school with an average of $37,172 in debt, up 6% from the year before. This figure does not even look at the student loans parents took out to help their child’s college costs. No doubt about it, college is expensive. It is common for graduates to find themselves in a financial hard place when it comes to repaying their loans. One popular option to lower monthly student loan costs is refinancing.
Muck Rack makes it simple to find people, tweets, or articles that mention any name, keyword, company, hashtag etc. We've compiled this guide to help you make the most of your search.
Selecting a term
Start searching tweets, articles from media outlets, articles mentioned in tweets, journalists'
names, titles and bios with some suggested searches:
Companies or Topics (e.g. iPhone, Microsoft)
Phrases (e.g. "cloud computing") — use quotes to keep the terms together
Twitter handles (e.g. @username) — returns those who have mentioned or replied to
Names (e.g. "David Pogue")
Hashtags (e.g. #sxsw, #london2012)
Bio details (e.g. vegan, Olympics, father)
Muck Rack's Advanced Search allows for many boolean operators.
Find results that mention multiple specified terms, use AND or
+. For example, ensure each result contains both Elon Musk and Mark Zuckerberg by
searching Obama AND Romney or Obama + Romney.
Use the operators OR or , to broaden your search when you'd like either of
multiple terms to appear in results. (This is the default behavior of our search when no operators
are used.) For example, search for democrat OR republican to find results that refer to
Democrats and/or Republicans.
Use NOT or - to subtract results from your search. For
example, searching Disney will yield results about the Walt Disney Company as well as Walt Disney
World Resort. To exclude mentions of Disney World, search for Disney -World or Disney
When using one of these operators with a phrase, enclose it in quotation marks. For example, you can
find results about smartphones excluding Apple's iPhone 4S by searching smartphone -"iPhone
Exact case matching or punctuation
If you're searching for a brand name or keyword that relies on specific punctuation marks or capitalization, you can
find results that match your exact query by adding matchcase: before the keyword you're searching for, like matchcase:E*TRADE .
Use parentheses to separate multiple
boolean phrases. For example, to find journalists talking about having fun in Disney World or
Disneyland, search for ("disney world" OR disneyland) AND fun.
An asterisk can be used to search for any variation of a root word truncated by the asterisk. For example, searching for admin* will return results for administrator, administration, administer, administered, etc.
A near operator is an AND operator where you can control the distance between the words. You can vary the distance the near operation uses by adding a forward slash and number (between 0-99) such as strawberries NEAR/10 "whipped cream", which means the strawberries must exist within 10 words of "whipped cream".