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The ability to manage your personal finance is key for successful long term financial health and stability. Regardless of how much you earn, being able to make your income work for you is essential. Not everyone requires a large salary and an expensive home and car to be happy, but they do need to be comfortable in terms of being able to eat and sleep in a healthy environment, and provide adequate clothing and shelter for their families as well. This can only be achieved through sensible personal financial management, that is, only spending what you can afford, not borrowing money over and above what you can realistically afford to pay back, and ensuring you and your family will be comfortable and able to maintain the standard of living when you retire.
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Credit cards can be very useful, especially when using them as opposed to debit cards purely to take advantage of any spending bonus points/offers [link widoczny dla zalogowanych] gained by regular use - which will only happen if the balance is paid off fully at the end of every month. Having a credit card for emergencies is again a sensible idea, especially for larger, unexpected bills such as car repairs. Many credit cards offer a 0% interest on the balance for a set period, often 6 months, and this can be manipulated so that you [link widoczny dla zalogowanych] change company every six months to avoid paying any interest. Of course, [link widoczny dla zalogowanych] this just keeps the [link widoczny dla zalogowanych] interest rate down; it does nothing to shave the amount of what you owe. It is a common mistake to see credit as an extension of your wages - nothing could be further from the truth, it is not your money. You will have to pay it back at some point, and the sooner the better. Therefore, the best advice is again to only borrow what you can afford to pay back.
Finally, to secure your future when you eventually settle down and retire, it is an extremely advisable idea to set up some form of pension scheme, whether that is with your bank, or your employers. Pension schemes can move from company to company in the event of job changing, and your employers simply take a percentage of your wage each month and put it aside, to be given to you in a lump sum as and when you are retired, so you [link widoczny dla zalogowanych] can maintain a good living standard when you are no longer working.
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