Your financial decisions today, could impact your life 10 years from now. Please start today by being more mindful of how you spend. It is far too easy to become financially derailed as you are faced with the temptations of online shopping, and the desire have physical possessions. Living a debt free life is far more significant and rewarding than fulfilling a temporary desire.
Think before you spend. There are many apps and tools to guide you along the way. Try Toshl Finance app. It is geared towards teens and young adults, and it has an app to complement its website. Try it here https://toshl.com/