<prompt> Human: Hey guys! I just recently landed my first 9-5 job earning 9hr.Im a college student, I live at home with my parents, and I have no major bills to pay. Its now winter break so Im working 35-40 hrs a week, but once the spring semester starts I would be working perhaps 20 hrs a week.I have no credit and Im eager to start building some.What would be the best way to start building credit and to save money while still having a small amount of cash to spend on gas and other small expenses?  <response>: Budget, budget, budget. I cant emphasize this enough. I just started my first job out of college almost a year ago and Ive been making a good salary. Along with that salary though came a barrage of bills I needed to start paying on my own. There are budget resources on here, but I highly recommend setting up a spreadsheet to track your spending. It can be as simple or as complex as you need it, but set one up so you know where every dollar is going. Ive set one up so that I can compare months and see where I screwed up or did well as far as sticking to my set limits. As far as credit, look around for a no annual fee card with benefits and PAY IT OFF IN FULL. As nice as it may seem to carry over a balance to the next month so you have a little cash buffer instead of paying the full 500 you pay 250, youre going to get hit with interest which in my case is calculated on a daily basis. Id say start small with the credit card usage and then ramp it up if youre good with paying it off. I didnt start this until recently but I have been using my credit card exclusively for everyday purchases groceries, entertainment, etc and leaving my checking account alone except for bills that are automatically paid. I keep track of what I have available to spend which is my checking account balance minus the credit card balance and be sure to stay under that limit. Then, at the end of the month, I make a large payment to cover all of the costs for that month. Ive been successful so far and have been able to see a decent increase in the cash back promotion I have on my card. 