-don't have kids, child care can be up to like 10,000 dollars per month -just because you have a credit card, you shouldn't go and buy something you can't afford. you'll be stuck in credit card debt and be paying it off till you die -don't live a pricy life if you don't have a good paying job -try to settle with your needs taken care of first, then move on to wants with your leftovers but try to leave a bit more over to save cough