Many people find themselves in devastating financial crises because of lack of financial literacy.
1) Try will everything you have to avoid taking unnecessary loans.
2) You do not need clothing accounts, those can have a very negative impact in your financial history and hinder you from getting useful credit in future.
3) NEVER borrow money to pay off a debt.
4) Train yourself to be content with what you have.
Do not cheat yourself, all you need is good management.
Powerful man KNOWLEDGE is Power. Thanks