It all boils down to:
1) Don't waste money.
If you don't need it, don't buy it. Don't pay extra for a popular brand - if you have to impress people with your possessions, especially if it puts you in a bind, finance is not your problem. Wanting something is not the same as needing it.
2) Don't spend money you don't have.
Yes, you will more than likely have to borrow for a home and a car, but keep all other borrowing to a minimum. You may want to keep a low balance on a few accounts, but don't pay a lot of interest.
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