The transition to adulthood can be overwhelming—and often a little scary. From budgeting and career planning to building healthy relationships and finding your purpose, your 20s can feel like an emotional rollercoaster.
But growing up doesn’t have to be terrifying. With the right mindset and a bit of guidance, adulthood can be an exciting time of freedom, self-discovery, and growth.
Whether you’re moving out for the first time or simply learning to manage your money, here’s a helpful guide to “adulting” smarter.
Embrace Your Independence
Find a Place You Can Afford
One of the first major steps into adulthood is moving out of your parents’ home—but only if you can realistically afford it. Despite earning more money than ever before, costs add up quickly: groceries, toiletries, mobile data, and transport can shrink your disposable income fast.
Tip: Keep rent low at first, or consider sharing a place. If you stay with your parents, contribute to bills (like groceries or electricity) to build good financial habits and show independence.
Do Things Yourself
You don’t need to become a domestic god or goddess, but knowing how to clean, cook, do laundry, or handle minor repairs is empowering—and budget-friendly.
Pro Tip: Avoid outsourcing everything. DIY habits will save you time, money, and frustration in the long run.
Learn to Manage Your Money
Financial freedom begins with knowledge. Learn how to:
- Create and stick to a budget
- Track your income and expenses
- Save for short-, mid-, and long-term goals
- Start an emergency fund early
Even a small savings buffer can give you peace of mind when life throws surprises your way. For help creating a custom plan, try an [online budgeting tool] or explore [local financial apps for South Africans] that simplify this process.
Figure Out Your Goals
Plan for the Long-Term
Set goals that give you a sense of direction. For example:
- Long-term: Buy a home, start a business, or build wealth
- Mid-term: Build credit, save a home deposit, or qualify for a loan
- Short-term: Get a promotion, save a monthly amount, or upskill
Having clear goals can help you stay motivated, especially when life feels uncertain.
Decide on Short-Term Wins
Not all short-term goals need to be about money. You might want to:
- Eat healthier
- Join a gym
- Learn a new skill or hobby
These wins can boost your confidence and bring joy while supporting your bigger life goals.
Work On Your Relationships
Nurture All Relationships—Not Just Romantic Ones
Surround yourself with people who uplift, support, and challenge you in the right ways. Relationships shape your mindset and can influence opportunities and personal growth.
Respect Your Elders
Parents, grandparents, or guardians are often a wellspring of wisdom and lived experience. Sharing your progress with them and showing gratitude can deepen your bonds and give you perspective.
Find a Mentor
A mentor can provide real-world guidance as you navigate your career or interests. Look for mentors in your workplace, social circles, or even online communities.
Be Mindful When Choosing a Partner
Avoid getting stuck in a relationship that’s “just okay.” Look for someone who:
- Shares your values
- Respects and supports you
- Communicates honestly
- Grows with you over time
Reminder: Real relationships take effort, patience, and emotional maturity—but when they work, they’re deeply rewarding.
Become More Well-Rounded
Explore Adult Hobbies
Your 20s are the perfect time to try new things. Try:
- Visiting the theatre
- Reading non-fiction or biographies
- Exploring art galleries or documentaries
You don’t need to love everything, but exploring new interests expands your worldview.
Work on Self-Improvement
Want to boost your confidence or set better boundaries? Personal growth doesn’t happen overnight, but being open to change is a great start. Try:
- Self-help books
- Online courses
- Speaking to a coach or mentor
Keep Learning
Adulthood doesn’t mean the end of learning. Stay curious. Dive into books, attend workshops, or explore new subjects on YouTube or podcasts.
Formal education is great—but lifelong learning is essential.
Final Thoughts: Adulting Is a Journey
At the end of the day, becoming an adult means:
- Making better decisions
- Learning financial independence
- Growing into your best self
And it’s totally okay to not have it all figured out right away. What matters is that you’re making progress and showing up for yourself, one day at a time.
Ready to start adulting better?
- Learn how to budget and save smart with our [50-30-20 Budgeting Guide]
- Use our [free online budgeting calculator] to break down your income
- Speak to one of our friendly advisers about managing your finances
Your adult life doesn’t need to be stressful. With the right tools and a little self-awareness, you can thrive.
