This is possibly the best advice so far lol. Right after I got this job, I interviewed for and got a much better one at a warehouse, higher pay but still overnight.

Tbh I'm not enthused with the company at all, as expected. But all the other night shift people are really cool.

Are you a blue vest survivor?

sigh yet another case of some of the most evil himan behavior coming from some of the most religious people. It's never been about personal spirituality, it's about controlling others. Jesus would be proud.

And there are many ways to build credit without ever having an actual credit card.

We should recommend seeking financial literacy information like articles or courses. It would be nice if this was taught as a standard in school.

Avoid credit cards as much as humanly possible. If you must or just to build credit, ONLY spend as much as you have in cash or can comfortably pay back within 3 months (on time payments). The "correct" way to use credit is a little more involved than I care to write but this is the basics.

Source: I'm supremely bad with financial planning and have accumulated over 10k in CC debt over the last 12 years... it sucks.

Accepted. Aplogies for my attitude and ignorance of geography.

Glad you specified SOUTH Tyrol, otherwise it would have been confusing.