Build And Monitor Your Credit
Establishing good credit will save you money in the long-run because lower interest rates are available to people with better scores and eventually you'll likely want to buy a house or finance a car. To establish good credit, you need to have open accounts and make payments on time, all the time.

Check your current credit score and make it a habit to monitor your score regularly. Companies like Credit Karma offer free accounts and personalized tips for increasing your score. And, knowing what's going on with your credit can also save you from costly identity theft situations.