FINANCIAL GOALS.
SAVINGS.
Start NOW.
Make it a habit and slowly but for sure it will grow.
INVESTING.
Start with term deposit using your work bonus and/or this years taxation return.
Shares- only after you do your homework and feel confident.
CREDIT.
You don't really need one. Think very carefully.
You can get a Visa or MasterCard debt card.
If however you feel confident you can pay back in full before the interest free period expires, this can be a good option and a budget saver.
Before you obtain a card. Ask what is the base interest rate? Interest-free period? Administration fees?
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