Watch this show on CNBC
M ON THE MONEY Featuring Carmen; this show explains and tells alot of wise info and situations about real life financial decisions. You will learn alot from watching and hearing about other peoples money problems. Carmen is a pro personal finance expert and she seems like a good pro . Last time I watched the show which was earlier; she mentioned something about two cards that can build your credit if you're still a beginner/novice. Secured cards which require your deposit to make your limit & prepaid cards. Only get credit cards that have minimal fee's and communicate with all three credit bureaus. Watch the show and you will never be bored with it. Credit cards are the devil! But dam, majority of the people who call that show have major debt in student loans; which i'll never use! But one main thing i noticed was that even the high income people always spend more when they know they make more. I'd be hella cheap even if I was making good $$$$.