<prompt> Human: So I just moved from Baltimore to Denver for work. I make 12.50 an hour. I grew up with very irresponsible parents, who filed for bankruptcy multiple times. Because of that, and a lack of responsibility on my end for sure, I have no idea how to earn and save for retirement. I now am living in a new city with an apartment and bills. Ive tried to write budgets, but it just never seems to work and things always come up. To be perfectly clear, I barely have any debt. Like less than 1000. But that is because I never got a credit card, never had anything in my name. Basically I feel like by building credit ill destroy it. Heck I dont even understand credit.Edit: Thanks a lot guys, you are all super helpful!!!  <response>: This is a friendly reminder to visit our FAQ entry on BudgetingWe also have a section for SpreadsheetsI am a botrAutoModeratorcommentsq11puwhat_is_automoderator, and this action was performed automatically. Please contact the moderators of this subredditmessagecompose?to2Fr2Fpersonalfinance if you have any questions or concerns. 