Since it accounts for 35% of your credit score, making all your payments on time is the most crucial aspect of credit. Make a hard & fast habit of making all your payments on time (Before the due-date).
Have a reserve account set up so in case there are ever any unexpected expenses in life; (accidents, travel, home repair, etc.) you’ll still have a month or two of at least the minimum payments on all your bills.
You should be able to set-up an automatic savings program with your bank. For instance, some banks allow you to set up an automatic deposit into your savings account from your checking. Even if it’s just $10 per month, start depositing into that reserve account.
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