When you're 18 and have a regular income, you can apply for a credit card or a store card. However, when you buy something using these cards, you are really just "borrowing" the money.

If you pay this back each month in full then you will not be charged interest. However, if you only pay back the minimum payment the card company requires, your debt will reduce very slowly and you will end up paying interest. So you end up paying a lot more for your goods.

Why not budget for items you need and buy everything with cash or your current account debit card? Remember – there’s a lot in the old saying "If you haven’t got it, don’t spend it!".