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Spot on Pete, first thing is to remove or control debt. Credit cards were and still are available far too easily and you should only need one.
Before you start to invest remove debt, typical CC rates can be close to 20% think of the effect of compound interest if you don’t clear the amount suddenly that impulse purchase becomes stupidly expensive.
Investing and savings start by making sure your pension provision is good, take responsibility for ensuring your later years you will be OK

guyr