<prompt> Human: Until earlier this year i was running my own business and making just enough to support me and my at the time girlfriend with her income of 12k a year. I got a steady job in February that finally made life a bit easier financially, that is until she decided to stop helping with bills thats a story for another time. With this new raise and her no longer being part of my life i will finally start having money to spare at the end of every month. I have no credit. All of my bills, even though i paid them, were under my exs name. This is due to me moving on my own with her when i was 17, i was not technically legal to live on my own yet so everything was in her name. We still split bills 5050 so this was no big deal to me. Now that she is gone i have put my energy bill and the lease under my name alone, and Comcast is coming soon once i pay off the debt she left me with hopefully this will help me build credit. Anyway i have no clue where to start financially. Ill finally have some excess spending money, and i need some help on how i should manage it and how i can build credit at my age without a co-signer that is out of the question. Im viewing this as a new start to my life after we broke up, and i want to start it out right.EDIT: This thread has gotten way more attention than i thought it would. Thanks to everyone that left honest advise ill tear through it all later today. to every one telling me this story is bullshit: Ok then dont give me advise, or treat it as a hypothetical question. I really dont care whether or no you believe me i came here for advise not convince a bunch of people of something. I am going to school part time while working.  <response>: Bs story 