When I first started work I offset the amount of money my mum lost as a result from reduced payments from my wages, it meant that I didn't earn much more than I had from my paper round but I never lost either, and, it's my mum. 12 months later we were both up, I also paid for the phone when my wages went up, back when a phone wasn't the norm.

In all, drink only as much as you can confortably afford, don't forget your mum and don't run up more debt .

I didn't avoid the last one and it cost me dearly, also, if you get involved with a girl make sure everything is agreed in writing before you sign any agreement.