There are lots of others, but this is where to start. If you don t have a savings account, go out and get one immediately. Then get ready to use it. We ll do that in a moment. There s little point to keeping your money in a savings account if you then go out and rent someone else s money to buy things that depreciate.
Doesn t make sense.
Pay off your credit balances, then start investing. But not right now we re getting to the good part. Then you ll have a fat chunk of money that s worth saving. When those bigger paychecks start arriving, so will bigger bills rent, insurance, medical expenses, food, taxes. If you re waiting for your treasure ship to come in, forget about it.