Savings
Pay yourself first. Start now stashing 10% of your income in an Emergency savings. Don’t use it for anything but real emergencies. Keep a For Sure savings account for yearly expenses you know are coming and you can estimate (e.g. Christmas, insurance, taxes, etc.). Also have a Buy Stuff account. If you do, you’ll be able to avoid many financial disasters which will face you, and you can avoid borrowing money from high-rate lenders.
Borrowing
Don’t borrow money unless you are willing and able to pay it back. Failure …