1 Checking - Checking often if there is anything left
0 Saving - I have my change jar
2 Credit Cards - often swiching to 0% offer

I had my exes teens do this...easiest way to start. Go to your bank and ask for a secure card. They will have you attach a savings account to your card. Your limit is whatever you put in this account..200, 400 whatever you choose. If you use this card to purchase regular monthly items..groceries, gas whatever, and pay it off each month, within 6 months they will extend you real credit and close out the account that secured it and give you your money back with interest. You are on your way to good credit.

I have probably more than I should but I do try to use them, pay them off. Like someone said, good way to build your credit.

great way to establish, maintain and increase credit score - trick is to pay them off on time every month.

2 cards
2 checking
1 savings