Avoid Credit Card Debt
Credit card debt is an easy trap to fall into but a hard one to escape. After all, high interest rates make repayment difficult and balances can creep up quickly between incidental purchases and only making minimum payments. Instead, do your best to resist unnecessary purchases and pay your cards off in full each month. If you can create this good habit in your 20s, you won't be stuck in a toxic debt cycle in your 30s and beyond.