Are they safe for your money and your budget? That all depends how you handle them. Do proper due diligence before use, starting with watching this video.
Before opening your checking account, do proper research. There are many different types and options, and many institutions are after your business. Which is best and cheapest? That all depends on you...
Everybody makes impulsive and unplanned buying decisions sometimes. For many people this may wreck their budget. How do you (plan to) stop this impulsive monster?
Cryptocurrency—quick and transparent, but it comes with many caveats, such as potential hacks and scams, highly fluctuating values and the like. Is it something for you?
Online shopping prices can be based on the quirkiest variables, from the time of day, your location, or even the devices you use. Better stock up on information first before shopping online.
If you're looking to get a better return on investment (compared to today's historically low interest rates), be extra cautious for promissory note scams and the like!
Great. Save money every month—start early (now is almost too late)—and compound interest is going to help you to be able to retire (and take that real long vacation), hopefully soon.
Buying items "on credit" is all too common, and so are interest free offers. However, you have to be really careful and thorough to be offered the 0%, or these (credit card) loans can be pretty pricy. Will they "trick" you, too?