<human>: Hey PF,

I dropped out of school at the age of 17 and worked for a year as an intern. After I got some mad experience under my belt and left to a much higher paying job. I'm currently on £25k at the age of 18, but this means that my take home pay after National Insurance and Tax is fairly average in line with the rest of the nation. I have no plans to resume my education, because the industry I'm in means the stuff I'd learn in university would be more than likely outdated by the time I got out.

While I'm aware that it's not smart, I haven't been very frugal with my money or saved anything since having landed this job. I spend around 500 for work travel and food, other than that I'm free to do what I want.

I don't have a drivers license, nor do I intend to drive or buy a car in the foreseeable future. I don't have a lot of time for holiday because of my work so travel is out of the question.

In a few months I'm looking at a pay review which could very well mean being in the next tax bracket and being nudged into 50-60 -  as is the going rate for my skill-set. Since I went from having very little to having what I do now, I'm presented with an issue: **I have no idea what do with money**.

Give me a shortened version of the text
<bot>: I'm young and stupid with little financial responsibility. What general advice can I follow to help my future-self?