To start with, you should always follow the golden rule, which means do to others what you would like done to you. Don’t make someone else look bad so you can look good. Don’t gossip on the job. When someone takes you into their confidence, respect that confidence. Invest when you can and start as early as possible.
It’s important for you to have a lot of self-control. Perhaps your parents have taught you self-control already, but if they didn’t, now is the time to learn how to put your instant gratification on hold. This is especially true when it comes to finances. Every paycheck has the self-control to put a little aside. That might mean you can’t go out for dinner quite as much or it might mean you won’t be able to buy tickets for that concert, but it will mean you’ll be looking out for your future.
If you’ve been busy using your credit card you need to stop and get it paid off. Credit card debt will negatively affect your financial future. You should only use your credit card if you can pay it off at the end of the month or for emergencies. Other than that, it should remain in your wallet.
You should be keeping close tabs on where you are spending your money. You should start by creating a budget for those fixed costs that occur every month. Then keep a list of all of your other expenses so that you know exactly where your money is going.
Start to build an emergency fund. Far too many people have no money set aside should an emergency occur and that can really leave one in a pickle. So start today by setting aside money every month. If you don’t need it for an emergency you can always use it as a down payment on a house, to buy a vehicle or take a vacation.