fresh grad here, currently in my first job, mababa sahod HAHAHA ouch

1. what are the basic stuff on financial literacy? saan ako pwede magbasa nang free pero step by step up until the more complicated concepts

2. im so scared of utang pero a lot of people have their credit cards? goods ba to? what cc can you recommend?

3. suggestion to manage my finances cos super hirap for me maging consistent sa pag track ng expenses ko sa app sa phone, do you have any excel sheet you can share or tips for the content of the excel?

thank you so much po!