Money Talks: How to hit those financial goals in your 20s

Carol Brick gives some sage advice to a  young reader who's looking to plan her financial future

Money talks: Credit card debt traps people in a debt cycle for years so either pay it off now and never use it again or try and use it properly

I am 24 and have just started my first job and delighted to be finally making decent money. My first priority is to take control of a large credit card debt, but I would like to get some advice regarding what my main financial goals should be now that I am a full-time employee.

Congratulations on your first job. Things are about to get real! The financial decisions you make in your 20s can affect your finances for years to come. That is why it is so important to work on building healthy financial habits now that you will greatly benefit from later.