Keep a Tax File. File all of your receipts. Be realistic and monitor your budget each month. Refine it, and then stick to it. Beware of Credit Card Debt.
Credit cards are convenient and a way to establish a good credit rating.
If you have one, use it only for emergencies or special items like airline tickets. Pay off the balance on a credit card immediately. Interest charges are expensive. You will be tempted to buy more with credit, and it is difficult to monitor how much you spend. Make certain you have the money to pay for the items that you charge.