What is an investment and how do I start? How does a person get good credit? A nice house?

I like to spend money and use my credit card. I don't know how to save money. Does anyone have common sense and tell me what I should do?

Well first of all start small with a secured credit card. Check with your local bank. Never spend more than what you can afford and have money in hand to pay your credit card off by end of the month.

Budget yourself and remember that credit they give you.. you have to pay it back. Interest on them are very high.

Start a retirement program and treat it like a monthly bill that you have to pay. See a retirement specialist.

To save money, you have to pay yourself first EACH pay check. Open a savings account you will not touch for a year. Deposit
$ 20.00 a week before you spend a cent of your pay check. STOP using the credit card for a while. If you can not afford to pay cash, you don't need the item that bad. You MUST pay more than the minimum balance, or you will NEVER pay it off.

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