Agree with the above, you should save hard until you have 3 or better 6 months' wages and expenses in the bank. This isn't to be spent, but forever kept there in case of something happening like losing your job or getting unexpected bills. If you dip into it, as soon as you can, save again until it's back up to the same level. It amazes me how many people live off credit cards - if you can't afford it don't get it! And if you have nothing in the bank, stay in, don't buy anything except the essentials, and save until you do. Might be boring while you're doing it but that's the only way I can relax, and there is always something you can find to do to relieve the boredom like keeping fit.
Agree with the above, you should save hard until you have 3 or better 6 months' wages and expenses in the bank. This isn't to be spent, but forever kept there in case of something happening like losing your job or getting unexpected bills. If you dip into it, as soon as you can, save again until it's back up to the same level. It amazes me how many people live off credit cards - if you can't afford it don't get it! And if you have nothing in the bank, stay in, don't buy anything except the essentials, and save until you do. Might be boring while you're doing it but that's the only way I can relax, and there is always something you can find to do to relieve the boredom like keeping fit.