<prompt> Human: Hey guys,I love reading PF. I think its given me a bit more of a grasp on how personal finance works... but as you can see Im not doing so great.I was lucky enough to have parents who paid my way through college. I spent the following year doing Americorps earning 800month, not allowed to have other employment. Any savings I did have went out the window : . But I did get an education stipend that I paid to my parents. Anyway, long story short, Ive got no savings.Now Im working in the non-profit field which has always been my plan. Im making 15hr with no overtime, which comes out to about 32k before taxes. After finishing Americorps, my salary essentially tripled, but I still havent saved. Partially it was because I had some necessities I needed to buy, but mostly its because Im not budgeting as well as I could be.Anyway, my plan now is to try and put 100paycheck in savings. I know I need to build credit somehow-- is getting a credit card and just using it for gas a good idea?My expenses are:rent: 425mo includes utilitiesinternet: 18mo gym membership: 129mo I knowgas: 100moalso pay 50-100mo to my boyfriend for payments on furniture he bought for our apartment so technically I guess this would be debt, though its not in my name. This will be paid off in december.I own a 2004 hyundai santa fe that is in good condition and owned in full, but I have no funds available for repairs-- how much should I have put aside?I know I can be doing better-- I know that Im lucky to live in an inexpensive part of the country with no debt on this kind of salary, but I want to take advantage of that luck instead of spending frivolously. Thanks in advance for your advice!Assistant: Insurance for your vehicle should be accrued as a monthly expense to really adequately look at your fixed expenses.You do eat as well? Right?Getting a credit card and using it for everything is a good idea, as you will accrue credit, more purchasefraud protection, and normally some form of rewards. Just set the card to automatically draft out of your account when due, and treat it just as you would your debit card. Dont spend money you dont have today.Human: What am I looking for in a starter credit card? I know no annual fee-- what is a good apr?  <response>: APR shouldnt matter if you are only spending what you have in your bank account, APR matters when you carry a balance, or dont pay it off each month. No interest is accrued until after the due date of the statement. The chase freedom is a great no fee card. 