How to Keep Your Friendships in Your 30s

No one really prepares you for how drastically your social life changes once you hit your 30s. I realized this at 31, when I looked back at how different my friendships felt compared to just a few years ago. In my 20s, life revolved around dinners with friends, weekend getaways, and late nights in the malls. But slowly, the circle began to shift. Some friends got married (myself included), others moved away, and many became consumed by work or family. A few had children, and their lives naturally settled into a different rhythm.

At first, it was a transition. How could people I had shared so much of my life with suddenly become unavailable? But as I sat with it, I realized it was not a rejection of our bond. It was simply life unfolding. Priorities shifted, responsibilities grew heavier, and friendships that once had all the time in the world had to fight for space alongside careers, families, and personal well-being.

The truth is, friendship in your 30s requires a recalibration. You cannot expect the same frequency of meetups or the same spontaneity you had when you were younger. What you can cultivate instead is quality. Think moments of connection that feel present and intentional. A long brunch every few months, a heartfelt conversation over kopi after work, or even a voice note that says, “I’m thinking of you.” These smaller, thoughtful gestures often mean more than constant chatter.

I also discovered that no single friend can meet every need. In my 20s, I leaned heavily on a few close friendships for everything from laughter to advice as well as from nights out to deep talks. But in my 30s, I learned to diversify. I think of it as building a personal board of directors for my social life. Some friends are the ones I call for career advice. Others are great for a badminton match on the weekend. A few are there for long conversations about family, relationships, or dreams. Spreading this out makes each friendship lighter, healthier, and more sustainable.

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Of course, friendships evolve. A friend with children may not be able to join in late-night suppers anymore, but perhaps you can visit their home and spend time with the family. A friend who is between jobs may not be keen on expensive dinners, but you can invite them over for home-cooked meals. Being flexible, patient, and willing to adapt keeps the friendship alive even when lifestyles no longer align perfectly.

I also found that integrating friendships into your lifestyle is key. It is much easier to maintain bonds when they are built into your routines. Joining a regular fitness class, participating in a community group, or attending cultural events provides natural opportunities to see familiar faces and form deeper connections over time. That could mean joining a running club along the Marina Bay stretch, signing up for pottery workshops, or simply becoming a regular at your favorite hawker stall where the conversations eventually go beyond small talk.

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And sometimes, it is about embracing new forms of connection. A short video call, a late-night text, or sending a funny link can keep the thread alive. The medium matters less than the intent. What counts is showing up, even in small ways, and letting your friends know you are still invested in their lives.

Keeping friendships in your 30s takes more effort, but the rewards run deeper. You realize that the people who want to be in your life will make the time, just as you will for them. What once revolved around convenience now rests on choice. And that makes every coffee, every conversation, and every shared moment feel all the more valuable.

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6 Types of Friends That Are Bad for Your Finances

It’s human nature to compare ourselves to those around us. In theory, it seems reasonable enough, but in reality, it can be a slippery slope, especially when we’re surrounded by friends who unknowingly (or knowingly) harm our finances.

Maybe your friends are getting married and applying for their BTOs, while you’re still single, navigating the transition into a new career. You might start wondering what the “normal” timeline for life is. But here’s the catch: comparisons only work if you’re using yourself as the benchmark.

You see, even if you were raised to mind your own financial business, that doesn’t mean all your friends or acquaintances follow the same rules. This is why self-awareness is crucial. By identifying which friends might be messing with your financial stability, you can better neutralize their impact on your wallet.

#1: THE ENABLER

The Enabler is that friend who points out how hard you’ve been working and tells you, “You deserve nice things!” and even if those nice things are way beyond your means. Their intentions are sweet and they just want you to feel special because they care about you. In many cases, the Enabler is someone close to you. Sometimes, though, it could even be you enabling others.

How to handle it? Carry only the amount of money you’re willing to spend when you’re with this friend. Once the cash is gone, you won’t be tempted to go beyond your budget. Furthermore, avoid activities like window shopping together as it’s a trap for overspending.

#2: THE BORROWER

We’ve all had that friend who shows up only when they need financial help. They’ll hype up your latest travel pics or drop comments on your IG stories, only to later DM you with a request for money, promising to pay you back at the end of the month. Spoiler alert! It’s rarely easy to get your money back from a Borrower.

To protect yourself, be clear about the purpose of the loan and have a structure in place, especially for larger amounts. A written agreement with terms like interest, repayment deadlines, and late fees can go a long way toward ensuring you get repaid.

#3: THE CONMAN

This friend is always up to date with the latest “get-rich-quick” schemes or “once-in-a-lifetime” investment opportunities, which are complete with vague business plans and shady multi-level marketing structures. This friend will try to convince you that this scheme is the golden ticket.

Your best move? Be direct! Tell them upfront that you’re not interested and explain that your funds are tied up in more important matters such as childcare, student loans, or HDB improvements. The key is setting firm boundaries and not getting sucked into their scheme.

#4: THE DRAMATIC

Drama seems to follow this friend wherever they go. Their life is always full of chaos, including financial disasters they refuse to address. While your instinct may be to help, friends like these often can’t be helped until they decide to help themselves. Pouring time, effort, and money into them may only result in disappointment.

Sometimes, the best way to help is by stepping back and allowing them to face their financial problems on their own terms.

#5: THE BULLY

A financial bully is that friend who makes you feel small for your financial choices. I had a friend once who would say things like, “Girl, you pick the place, since you’re the poorest among us.” It took me years, but eventually, I cut her out of my life.

Financial bullies thrive on feeling superior, but their teasing often stems from their own insecurities. They might mock your budgeting habits, yet they could be the ones struggling to pay their bills. If you find yourself in this situation, speak up! Remind your friends that sticking to a budget is part of your plan for financial stability.

#6: THE OPTIMIST

Much like the Enabler, the Optimist has a skewed view of reality when it comes to finances. They live by the motto, “You only live once! C’mon, YOLO!” which can lead to risky behaviors like spending your rent money or draining your emergency fund on a lavish vacation.

How do you manage this? Keep the conversation focused on your financial goals. By sharing concrete, achievable targets, you not only keep yourself grounded but might also inspire your optimistic friend to take a look at their own financial habits.

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By being mindful of these types of friends and their influence, you can make better choices for your financial well-being, without sacrificing your relationships.

Sources: 1 & 2

 

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How to Profit with Friends in Singapore: Connections to Cash

In Singapore, opportunities to earn money are abundant. One often overlooked avenue is leveraging your network of friends. Turning friendships into financial opportunities can be both rewarding and fun, as long as you approach it with integrity and creativity. Here’s how you can start earning money through your friends in Singapore.

IDENTIFY YOUR STRENGTHS AND INTERESTS

The first step is to identify your strengths and interests. What are you good at? What do you enjoy doing? Whether it’s baking, tutoring, photography, or digital marketing, knowing your skills will help you determine the services or products you can offer. For instance, if you’re a whiz at math, you could offer tutoring services to your friends’ children.

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SHARE YOUR SKILLS

Once you’ve identified your strengths, let your friends know about them. Use social media platforms like Facebook, Instagram, and LinkedIn to share your services. Word of mouth is powerful, especially in a tight-knit community like Singapore. Don’t hesitate to ask your friends to spread the word. A simple post highlighting your skills and how they can benefit others can go a long way.

COLLABORATE ON PROJECTS

Another way to earn money through your friends is by collaborating on projects. If you have a friend who’s great at design and you’re good at writing, why not team up to offer a comprehensive digital marketing service? By combining your skills, you can create a more attractive package for potential clients. This collaborative approach not only enhances your offerings but also strengthens your relationships.

UTILIZE REFERRAL PROGRAMS

Many businesses offer referral programs that reward you for bringing in new customers. Check with companies in Singapore that provide services or products your friends might need. For example, banks, insurance companies, and telecommunications firms often have referral schemes. Share these opportunities with your friends and earn a commission for each successful referral.

HOST WORKSHOPS

If you have a skill that others want to learn, consider hosting workshops or classes. This can be done online or in person. For instance, if you’re a fitness enthusiast, you could conduct workout sessions in a local park or via Zoom. Charge a reasonable fee for attendance and encourage your friends to invite their friends. This not only helps you earn money but also expands your network.

OFFER GROUP DISCOUNTS

People love discounts, especially when they come with the added benefit of spending time with friends. If you’re offering a service, provide group discounts to encourage friends to sign up together. For example, if you’re running a language class, offer a discounted rate for groups of three or more. This strategy not only attracts more clients but also ensures that your friends feel they are getting a good deal.

JOIN DIRECT SELLING PROGRAMS

Direct selling programs, also known as multi-level marketing (MLM), can be a way to earn extra income through your friends. Companies like Avon and Tupperware operate in Singapore and offer opportunities to sell products to your network. However, it’s essential to approach this carefully to avoid straining your friendships. Be transparent about your intentions and ensure that the products are genuinely beneficial to your friends.

PROVIDE PERSONAL SERVICES

Personal services such as pet sitting, house cleaning, or grocery shopping can also be monetized. If you have friends who are too busy to handle these tasks, offer your help for a fee. This can be particularly useful in a fast-paced city like Singapore, where many people have demanding schedules. Personal services are often in high demand and can provide a steady stream of income.

BE GENUINE AND RESPECTFUL

The key to successfully earning money through your friends is to be genuine and respectful. Always prioritize your friendships over financial gain. Ensure that your offers are valuable and that you’re not being overly pushy. Transparency and honesty will help maintain trust and ensure that your friends feel comfortable supporting your endeavors.

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IN A NUTSHELL

Earning money through your friends in Singapore can be a win-win situation if done correctly. By leveraging your skills, collaborating on projects, utilizing referral programs, and offering genuine value, you can create financial opportunities while strengthening your relationships. Remember, the goal is to enhance your network and provide mutual benefits, not to exploit your friendships. With the right approach, you can turn your social connections into a source of income and personal growth.

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Inexpensive Ways to Reconnect with Old Friends

 

We all treasure the memories of old friends—the laughter, deep conversations, and shared experiences. However, as life progresses, it’s not uncommon for these connections to fade.

Busy schedules, diverging life paths, and geographical distances can all contribute to this gradual drift apart. But fear not, for reconnecting with old friends need not strain your budget.

USE TECHNOLOGY

The digital age offers myriad opportunities to rekindle old friendships. A simple online message or call can kick-start the process. Reach out to your old friends, expressing genuine interest in their lives. Inquire about their recent endeavors, families, or work. Demonstrating authentic interest lays the groundwork for rebuilding a meaningful connection.

SCHEDULE MEET-UPS

Once communication lines are reopened, take proactive steps to arrange face-to-face meetings. Whether it’s a casual coffee outing or hosting a dinner at your place, commit to spending quality time together. Mark it on your calendar and prioritize it accordingly.

INITIATE CONVERSATIONS

Initiate conversations by reminiscing about shared memories or amusing anecdotes. “Do you remember when…” These nostalgic recollections transport you both back to a time when your bond was strong, easing any initial awkwardness and facilitating more organic conversations.

TRY GROUP ACTIVITIES

Participating in group activities or events offers an excellent opportunity to reconnect with old friends while also meeting new people. Explore local hobby clubs or check out offerings on platforms like Klook, where activities are available at affordable prices (starting from S$6). Whether it’s treasure hunting, perfume making, or any other shared interest, these activities foster connections and create new memories.

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LET GO OF RESENTMENTS

Release any lingering grudges or unresolved conflicts from the past. While addressing these issues may be necessary in due course, focus initially on highlighting common ground and the positive aspects of your friendship.

STAY CONNECTED

Consistency is key to maintaining rekindled friendships. Keep communication lines open with regular texts or calls. Remember important dates like birthdays and holidays, using them as opportunities to strengthen your bond. End conversations or meetings by making plans for future get-togethers based on shared interests.

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By implementing these budget-friendly strategies, you can successfully reignite old friendships and nurture them into lasting connections without breaking the bank.

Sources: 1 & 2

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How to Be a Good Money Influence on Your Friends

Friendships can benefit you in encouraging you to live healthier, elevating your quality of life, and lifting your self-esteem. Your friends should help you to be the best person you can be. You should do the same. Here are a few tips on becoming a good financial influence on your friends.

#1: SHARE YOUR EXPERIENCES WITH OTHERS

In 2013, researchers found that solitary experiences brought just as little happiness as the material things. Social experiences, on the other hand, were more valuable to the participants. Compared to possessions, we worry less about what others will think of our experiences, and they do not generate the same kind of regret. Consider sharing your experiences with your close friends and family members.

#2: SPEND MONEY ON THE RIGHT PEOPLE

A 2011 study showed that participants who recalled spending $20 on someone close to them reported feeling more positive emotion than those who recalled spending $20 on an acquaintance. Spending money on the right people is important for your financial health.

Allocate your dollars so your friends or family members can benefit without you feeling detached or drained.

#3: PAY YOUR BILLS ON TIME

Serve as a good example by paying your bills on time every month. Paying your bills on time helps you avoid late fees and prioritizes essential spending. On-time payment history can also lift your credit score and improve your interest rates.

#4: SAVE MONEY TO AFFORD BIG PURCHASES

Can you imagine constantly asking your friends for money? Certain kinds of loans and debts can drown you. Big purchases such as purchasing appliances and furniture can best be completed by cash.

When you buy in cash, you avoid generating interest and creating a debt that requires years to pay back. In the meantime, you can save money in your bank account and watch the power of compound interest.

#5: SET SMART GOALS

A person with financial goals can provide a good direction for himself and those around him. Setting goals helps you lay out your “why”. It also gives you something to work towards for.

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As you set your financial goals, keep in mind that you want them to be SMART. Break down your big goals into small, easily digestible chunks.

Sources: 1 & 2

 

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