<prompt> Human: 19 years old. I got my first credit card this month Capital One Journey and I was given a 300 credit limit to start. After looking at my finances, I am making roughly 700 monthly with my only recurring bill being 130 for car insurance and phone bill I just write a check to my dad for this. With the remaining money, 15 goes directly in to my Ally savings account, so usually right around 100 per month. Is it a safe and smart idea to start using my credit card for all my purchases? Obviously I will pay it off in full every month as I have 430 leftover after savingsbills. The only thing I really need cash for is alcohol as the liquor store I go to is cash only so I can easily factor that out of my budget.My logic behind this is that since my credit limit is 300 it will allow me to see exactly where my disposable income is going, and force me to keep frivolous spending below 300 a month according to Mint, I spend about 375 a month so this will force me to save an extra 75 every month. I feel like this will help me build my credit and save extra cash that will keep growing in my checking.  <response>: Its only worth it if its paid off every month. I put everything on my credit card because you can track it and you get back. If you carry a balance though you lose money and it isnt worth it. 