<prompt> Human: Im clueless in every sense of the word. I have a full time job, but Im terrible at saving my money. This January Im moving from my small town to one of the biggest cities in the state living with family, no rent obligations. I dont have a bank account at all, Im about to start paying insurance on a car my dad got me, and I have no idea where to begin, which banks to look at, which insurance companies to consider, what questions I should ask. Any suggestions? Im extremely stressed.  <response>: You may be new to rpersonalfinance, if so welcome! The FAQ is very helpful for basic finance questions on the sidebar --It good that you are taking this transition seriously, but dont stress. You are about to enter an awesome phase of life! Bottom line, start slow. Focus on 1 thing at a time. Find a bank that you like and that does not charge you to have a checking and savings account. Then, start to figure out what you are responsible to pay every month phone, food, insurance, gas, etc. Then you can start learning about how to handle your income and expenses: First, you need a budget! Start now! FAQ, mint.com, YNAB, are good resources Second I have some other resources that I have found to be educational and helpful. Check out the personal finance sections of:1. Motley Fool1. InvestopediaAs far as the car goes, ask your dad about insurance. Can you be put on his plan? No? Well, then I prefer an insurance company that has a local agent. Sit down with the agent and have them explain the different features of their auto policy. Dont be afraid to ask questions. From there, you can go get quotes from other companies. 