My biggest lesson I have learned in my first year of living on my own; don’t get a credit card. You have no money when you’re living on your own in your 20s (unless you’re really REALLY lucky). I had no money and ran up almost 6k in debt. In less than a year. Honestly, less than 6 months. And what do I really have to show for it? Nothing. Now my credit has gone to crap and I’m completely overwhelmed. Just don’t do it. Or just get one.