I would suggest at your age to start reading books on personal finance. I didn't learn the inportance to good money management till too late in life. Here are some books that will help you a lot.
The Total Money Makeover by Dave Ramsey.
The Millionaire Next Door
Rich Dad Poor Dad
The Wealthy Barber
Master your Money by Ron Blue
The core of what you learn in good money management is to not take on consumer debt and invest at least 10% of your income no matter what. In the book Rich Dad Poor Dad it teaches that most people use most of their income to buy liabilities and not enough assets. Your home is also a liability.
Learn to save and invest at least 10% of your income.
Do not run up balances on any credit cards. (Always pay in full every month)
Pay cash for your cars and tv's etc.
You can setup an account at Scottrade's to buy Mutual funds through their NTF program. Or check your bank for an investment adviser, but do not pay any commissions. Good luck.
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