Saving for the future.

[MrAdaam]

I've just got myself settled in at work, a nice place for now that's going to set me up well I hope. The pay is average and I know that I'm going to have to be 'smart' about how I look after my money if I want to afford some luxuries. Let alone move out and live comfortably.

I also think now would be a good time to start thinking about the future with regards to how I'm going to look after myself. A good pension is going to be a must so I can relax in later life among other savings I wish to try and put into place towards a mortgage, new car and whatever else I may need.

Being only 19, I'm at a loss as to where to start with regards to where I should be asking for the advice so why not the almighty PH? I have an ISA set up at my bank, no credit cards and debt to my name. I'm tempted to get myself a credit card to provide myself with a history for when I do make the jump and apply for any big finance options such as a mortgage. I presum the more positive history I can get the better.

I'm thinking along the lines of a pension, my ISA and then another 2 savings account as a rainy day fund and something to put in savings towards expensive luxuries. I'm currently with Lloyds TSB but I'm open to hearing about anywhere giving good rates on long term saving.

Any advice on how to go about things? I guess I'm looking for a general direction on how to go about things - resources on the 'net or whatever.

Cheers.