Dec 15, 2016 10:47 AM EST By Audri Taylors, UniversityHerald Reporter

Being in your 30's is the perfect time for you to establish a solid financial foundation. While it means you still have a huge time on your side, make sure that you make every single effort no matter how small it is to establish something long term. Here's how you can build financial security while you're in your 30's.

Invest on your career

If you have the skills and you know what it takes, you deserve to be in a career where your skills can fit in. Don't stop looking for opportunities that will allow you not to only earn but also to find growth.

Adjust your budget

Your needs and wants constantly changes but you should be able to adjust your budget based on how much you are earning. Don't spend more than you earn and if ever you get a raise, it does not mean that your allowable expenses should be increased. You have to increase your allotted amount for your savings instead.

Increase your funds for emergency

With the increase of your income and expenses, your emergency funds should also go up.

Don't cash out

Roll your 401(k) into your new employer's plan or into an IRA. This way, your money should have grown already by the time you retire.

Invest in stocks

This is a great method for getting long term gains. You should know how to invest your stocks between small, midsize or large companies.

Monitor your credit report

This can help you stay on top of your credit status to be able to avoid errors as well as identity theft. You will also be able to check right away if there is a delinquent balance that could potentially affect your credit standing.

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