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Short Term
1.) Create a budget
2.) Pay off a small debt
3.) Start a savings
Long Term
1.) Create an emergency fund
2.) Pay off all debt
3.) Create a retirement fund
Positive And Negative Impacts
A positive would be your setting yourself up for financial stability but the negative would be having less money every month.

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As a child any money that you have isn't being spent on everyday necessities.

As you grow older your money becomes more valuable to you because you might want to buy luxuries such as clothes or shoes.

When you have to work, that money is used to pay for necessities such as a mortgage and being able to put food on the table.

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Interest
Any investment or purchase that involves paying interest should be carefully considered.

Paying interest on anything means you are spending more the items purchase price.

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Credit Cards
Being finically responsible means paying of your credit card balance in full at the end of each month.

If you aren't able to pay your balance in full, it shows that you already spend more than you earn.

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Emergency Fund
A emergency fund is a responsible way of managing your money.

Being prepared for the unexpected
is responsible.

you should be able to support yourself finically for six months without income.

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Acting In Your Own Best Interest
Act in your own best interest, spend money reasonably. For example, you need a home but don't necessarily need  mansion.

Responsible spending means buying what you need within reason.