Get a job where you look forward to getting up in the morning and going to work - figure what it is you love and try to find something in that field.
Yes, pay yourself first. If there's a 401K or other retirement plan at the job, use it. You are NEVER too young to start saving, even a small percentage. Percent works better than $$ amount because the amount you save automatically goes up with every raise without you having to do anything. And speaking of automatic, siphon off a set amount of every paycheck BEFORE you see it to a savings account - what you don't get on your check, you're less likely to spend.
As for credit cards, yes, once you've been working a few months you may qualify - maybe a bank card. Just be sure you know the difference between credit and debit cards. And you may want to use it once or twice, paying it off promptly because creditors want to know that you not only have one but use it responsibly. I have one I use only for travel and one other for "local" purchases that I pay off within 2 months. If the thought of paying cash for something bothers me, I won't put it on credit.
Good luck and enjoy!
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