CREDIT TIPS:

PRACTICE SELF-CONTROL: Maybe you were lucky enough to have parents that taught you about self-control; if not, the sooner you learn about it, the better. Think about it — while you can simply swipe a card to buy something the minute you want it, do you really want to pay interest on a box of cereal or a pair of nice heels?

If you practice self-control and stop using your credit card for every little purchase you want, you won’t still be paying for everything 10 years down the line.