The first step in financial management is to live within your means, don’t be a moonlighter! Learn to control your desires! Save as much money as possible, preferably more than one-tenth of your monthly income!

I personally think that using a credit card is a good choice! The key is to be able to control yourself and use your credit card instead of becoming a card slave! Don’t swipe cards uncontrollably because you think it’s easy and convenient to use cards! Only use credit cards for purchases and try not to withdraw cash! Just buy daily necessities! In this way, while shopping. You can also get bank points, and when you accumulate a certain amount, you can exchange them for gifts. Why not? Moreover, the future is a credit society. If you have a credit card and maintain a good repayment record, you will have a good personal credit record, which will be beneficial to future employment, going abroad, loans, etc.!

Each bank has launched different types of credit cards, and the general functions are similar. You can apply for them as appropriate during bank activities, as long as it is convenient for repayment...