I know tfd has a website but I'm not sure what is really like, and I haven't even checked if two Cents has one, but it's worth a look.

I wouldn't worry too much about recessions, because the jobs that are recession vulnerable also tend to pay more. I would think more about what you are interested in, and weigh it against what it might pay you and how long you can do the job physically, as well as what education requirements the job has. For example, lawyer jobs can pay really well, but you have to go to school for so long that the debt from that might outweigh the benefit. Construction jobs also pay super well, and they need minimal to no education, but they might only be able to be done some of the year, which means in that time, you'd have to work 16 hour days, sometimes, and then for a few months you'll be unemployed or job searching again, and you can only do that type of job until a certain age, at which point your body will be too sore for you to keep doing the job.

Ate you going into college or university, or are you working and thinking of searching for a career?

Hey, I know the post got taken down, but I recommend the YouTube channel Two Cents for basic explanations of most financial ideas and stuff.

If you want some ideas about budgeting and how to save some money, I would recommend the channel The Financial Diet for ideas on how to set up a budget and plan for your future financially.

So a recession is kind of a general condition of the bigger, national economy, but it doesn't always affect every industry or job. The rate of unemployment goes up, people get laid off as companies try to save themselves costs, and as a result of people being unemployed, they try to cut back their own spending, or need to take government assistance. Usually the government should try to increase spending on aid programs in these times, and will also do things like raise the base interest rate they charge on lending to decrease the amount of people taking out loans. Then, when the economy responds and moves back out of a recession, companies who had laid off employees will often hire on more people, people get jobs again so they spend their money again, and the government will have less people needing its aid, so hopefully it would keep taxes the same or increase them slightly to recover the financial losses it took to keep people cared for and prevent a repeat of the dirty thirties.

Recessions don't matter.

Well, unless you live somewhere like I do, where your provincial economy is way too centered on one resource. When OPEC puts their oil prices down, lots of the people here get laid off and it causes a big jump in unemployment because our oil industry is the biggest thing and it's very volatile with market changes.

I really like the YouTube channel Two Cents for basic explanations of most financial stuff. They're American, so depending where you live, they might be a little different from your country, but most of the general info and concepts are the same, and they make it make sense.

To add to this, it can change fast as well. I had a score that was rather low, because I was barely making enough to pay my bills, and because I was carrying balances. I was seeing my score sit pretty still around there for awhile. Now I got a full time job around months ago, and my score shot up probably 200 points. Same bills, but the score changed because the circumstances changed.

I had a bank employee tell me recently that if I wanted more info on the loan I was looking at, they would need to do a hard pull on my credit, and that it would be a 10% hit on my credit score. I'm not sure she was right, but I'm not willing to test that lol. I told her thanks for what info she could give me without the credit check, and then made a mental note to see how much a hard pull would actually affect my score by researching online, without doing one until I had to.

Don't get a whole new card unless you plan to keep it for awhile, because the age of your credit helps you, and if you add a new card on, in the short term, it will bring your credit age down, and therefore your score down. If you decide to get one, do it to either get a better interest rate for the long term, or to get rewards that you will bank and use in the long term, but just know that in that scenario, in the short term, it might bring the score down. It is a good idea if you're playing the long game, though.

Examples when this might happen: you get engaged and want to go on a honeymoon in a year or two. You could get a travel card, and make loads of purchases through it, paying it off as you go, and then accumulate travel rewards to a free flight on that honeymoon.

Regarding help or advice, if you're worried about going over your 30% utilization ratio, you can pay onto the card ahead of time, but just don't carry a balance of extra money on your card. I have paid extra money on my card before in order to use it to pay something higher than the max limit of the card, so I know it will work.

Regarding your worry about qualifying for loans, you should be ok on that 700 or above range. When your score is there, they'll just be wanting to verify you've been employed for over a year or two at your current job, and that you're making enough to make the payments on whatever loan.

So cute!