Hello! I just started work and have 0 savings, where do I start?

Welcome to adulting, to answer your questions regarding your cards, I feel that if there is no use for it, its better you consolidate your savings account so that you won't have to manage so many accounts. 1 savings account to enjoy the interest when you credit your salary and another account for your expense is enough.

Now start off with choosing a high savings account is definitely the easiest way to take the first step out towards managing your money. Subsequently, you can start thinking about paying off high interest debts like student loans or any other loans that will eat into your savings.

Next, ensure you’re sufficiently covered in your insurance so that you can safeguard your savings from any unexpected events. Lastly, make your savings work harder for you by learning how to invest in the many assets class to start growing your money and you’re on your way.

The analogy of comparing your bank account to a water tub is one of the easiest ways to understand how to manage your money. Start by opening the water tap, make sure to find a tub, plug out all the leaking holes and you’re well on your way.

Having that initiative to take that step is already a good start! But moving on:

1. YES! Definitely get that savings account that gives you higher interest with salary crediting.
2. Since you are just starting and have 0 savings, maybe not the best time to do the minimum spend game if you need to spend extra to spend that minimum spend to hit the higher interest tier. Now on to 3:
3. Start looking up the various investment options - get educated and look to build up your emergency fund, then investment capital. Bank accounts can only get you so far, but yes, it's on the tail end of the risk-reward spectrum.
4. Of course, another way to increase savings is to increase income. As you are just starting, learn as much as you can and grow as an individual.