<prompt> Human: Hi!I am moving to Austin,TX for a full-time job and it is my first time living on my own and all so I am hoping to get some advice on howwhere to start saving and a good way to start off? Maybe give me some insight on my current plan of living. I am somewhat scared to be honest lol. If this helps my salary is entry level 42.5kyear-Transportation-I will be living crawling distance from where Id be working, its right up the driveway and I would also live walking distance to banks, grocery stores and restaurants... well pretty much everything I need to manage. I plan on saving up for a while for a car rather then buy one off the bat.-Rent - Will be 845 a month without utilities water 25month, and assuming an average anywhere from 30-130 for electric .-Groceries - I plan on using burpy, they charge an extra 15-20 to deliver but it could be a good alternative till I have a car? I plan on using some recipes I find online that are less than 3 a meal, rarely eat out unless I have to.- Entertainment - Well I use my computer for everything, Netflix, justin.tv, etc so internet I was looking at ATT Uverse...until Google Fiber at least, so maybe 40-60month, netflix another 7-8.-Savings- Im struggling on how much to actually take out of my check to save in-case of an layoff or emergency. I dont know what else, Im new to this but yeah! Any advice? I do have a major concern though... I have no credit... how can I build up credit safely and easily? Anyways thanks for reading and the help. If I left out any important information let me know.  <response>: I have no credit... how can I build up credit safely and easily?Apply for a credit card and if you cant get an unsecured one get a secured one. Then ONLY use it for things you would buy anyway, like food and bills. Make sure you always pay your statement before the due date. 