Hi, i just finishesh this thread. Im 23 years old. Always wanted a cc bcoz i love shopping. Now have a stable job after graduated. Almost 6 months now.

But, after i read all the problems here, especially those who below 30, i think i dont want cc anymore until my salary reach at least 3k..

Just want to share with u guys, when i was in university, i shop a lot! I worked part time also, but do know where the money goes.. And sometimes i end up with debt at end of month. I have positive cashflow of about 1.8k (include my rent, food etc, but still its a huge amount for a student) including my part time job even i still study.

And i learned my lesson when im not able to pay my tuition fees and i cant sleep for about a month. So, when everything back to normal, i promised myself dont want to overspend.

Now, my life much more simpler. No branded stuff, dont go for shopping even on sales. No more fastfood everyday. But of course i have dreams to buy honda, vios, volkswagen, audi.. And to reach my goals, i work part time also. So basically i work 7 days a week. And i put all my saving my money into one account and wont touch the money unless emergency cases.

I also control my spending on food, i even list out how much i used a day, and keep the balance in my tabung.

So, i hope this will help. Oh and i also read somewhere, actually we need to save 6 months of our salary for emergency purpose.

This post has been edited by Mashi_maru: May 28 2014, 01:02 AM