<prompt> Human: Im 19 and working full time, and make an okay amount of money at a local supplier plant for Honda. I bring home roughly 340 a week, which isnt bad, considering I dont pay hardly any bills. Im wanting to minimize all my spending so I can save up as much money as I can.My current bills are as follows:Insurance 45monthPhone 48month - Im on Straight Talk which is the cheapest here AFAIK, unless there is another carrier that provides Unlimited Talk Text cheaper?Loan 110month I took out a 2000 loan with my step mom as a cosigner to begin building credit, the interest rate was pretty good for a unsecured loan. I want to say between 7-9 Regions Bank. Which led to my payments being 99.21 a month after two years, but I figure adding on 10 more dollars cant hurt. As far as establishing my credit goes, should I drag this out the entire two-year term, or would it be smart to just drag it out for one year, and they pay the rest off, and take out another loan?Gas 100 - I can fill up my tank for around 25 and it last me awhile, so this is a rough estimate.I have noticed that often days on my lunch break, I head over to a gas station and spend a few dollars here and there, which quickly add up. How much money should I be putting into my savings as well? I was recommended just to put a little bit of money in, ie 10 a every paycheck, and seeing as I havent had this account opened with Regions very long, I have a measly 90 in my savings.  <response>: Pay that loan off asap. Thats not a good interest rate. NEVER take out a loan to build credit. You might as well just burn money. You can have a great credit score without paying a cent. 