It's never too late (or too early) to get your finances in order. With some dedication and planning, it can be easy to become financially secure and start saving for retirement. If you're in your 30s, read on to learn about some money-saving steps that will help ease your financial burden down the road.

1. Work on getting a healthy credit score.

Your credit score is the backbone of your financial success. It's the number that will help you get a good interest rate on a car or home loan, as well as allow you to refinance any additional loans such as student loans if need be. Start off small and build a strong and stable foundation. One way to do this, which is recommended by many experts, is applying for a credit card with a low limit and paying off all purchases every month.

2. Choose a fixed rate.

When you're applying for a home loan, make sure that you look for a loan with a rate that does not change. These are called fixed home loan rates and will give you the same interest rate for the duration of your loan, keeping your monthly payment steady. Taking advantage of this opportunity will ensure you do not suffer through changing interest rates when the stock market fluctuates. This kind of security is sure to provide peace of mind for the whole life of the loan.

3. Set clear goals.

A budget means nothing unless you have a goal in mind when you make it. Use your budget to help you set monetary goals that will benefit you down the road, whether this is paying off your credit cards so you get a lower annual percentage rate, lowering your loan amounts, applying for a lower interest rate, or putting a specific percentage of your income into savings. Having a goal will help you develop a clear path for financial success. It will also help motivate you to achieve each little step on your way to success.

4. Don't be afraid to ask for help.

There are plenty of financial professionals who can help you with managing your finances, both for the short term and the long term. Think of it as an investment in your investments and financial security. Working with an experienced financial planner or investment manager, such as Mark Wiseman will help to steer you in the right direction. Mark will not only give advice on strategic money moves to make, but he will manage your funds with care. Think of working with a professional financial planner as an investment for your investments.

5. Invest any extra money.

It may be tempting to go out and spend your bonus checks or any promotion money you may receive. But it is a good practice to put this money away into your investments as soon as you get them, no matter how small the sum. Those dollars and cents add up. They will provide an extra cushion to your savings, and chances are you won't even miss it if it is not in your bank account!

6. Increase your security fund.

As you get older, you will want to ensure that your security fund is in good shape and can help you in case something bad happens to you. It is a good idea to take a periodic look at how much you are putting away into this savings account, and adjust according to your income fluctuations.

7. Establish a monthly routine.

Believe it or not, a routine will help you with budgeting. There are plenty of apps available that can help you monitor all your monthly spending while tracking where you are putting money way and when. Creating a monthly routine will make it easier for you to save money in larger chunks, as it will become a habit for you.

8. Refinance your student loans if necessary.

You might not always need to stick with the same repayment plan for your student loans that you got when you just graduated. As your income situation changes, revisit your plan, and consider a more affordable option in order to ensure you have enough savings to put elsewhere.

9. Diversify your investments.

Don't be afraid to change things up and diversify your investments! There are plenty of ways you can take more risks with your investments, which may lead to a higher payout for you in the future. Some options are ETFs, real estate, or government bonds. It's important to keep asset diversity in mind when investing.

10. Budget for fun.

You work hard, and you don't need to spend your entire paycheck on your investments and savings. Make sure to include some wiggle room for some fun activities, so you can reap the benefits of all your hard work. After all, who doesn't want to relax on a weekend after working all week? Whatever your flavor of fun is, make sure you have room in your budget to make it happen.

With careful planning and monitoring, these easy financial tips can help create financial success in your 30s and beyond.