<prompt> Human: Okay so I am 20 years old, just moved out of state for work, just got my own place but I have questionsneed financial helpI have no creditSociety has made me believe that getting a credit card is important, I know that a credit card really isnt that important but I do know having credit history is, I dont know where to start to build credit.Issues saving moneyMy month expenses are the following:- Rent - 500 See EDIT at bottom- Cell phone - 160- CableInternet - 60- Utilities - 150ish- Everything else food, gas, other things I need - 140My monthly paychecks equal out to about 1000 so I really have no way to save money, I have already cut my personal expenses to the almost nothing but I still cant scrape up enough money to actually save, what are some good tips on changing my spending habits even more to actually save money?Here is my issue with saving money. In no way an excuse for my habits but the way I grew up certainly doesnt helpI come from a family with A LOT of money, when I was younger, if I wanted something, my parents dad would buy it for me. I grew up believing that money seriously grows on trees, I know that the way I was raised, has a serious effect on how I spend my money, so please, any advice to cut my spending habits even more so I could start saving money would greatly be appreciated.EDIT One thing I forgot to add, yes my rent is absurd at 500 month, I leave work at 3 everyday to pick up my cousin from daycare for my aunt and uncle they own the company and to compensate me for that, I give her 500 at the beginning of each month, but she then return 200 for me at the end of the month for picking up my cousin.Assistant: You need to find cheaper rent. Youre spending 50 of your take home on rent. Cell phone is way too expensive. Get rid of cable.Human: Rent is expensive for this home. But its a home, not an apartment, in a nice area and thats with utilities included. I personally dont want cable, I pay for netflix, its my roomate who refuses to get rid of it. I am also looking at ways to lower my cell phone bill. Thank you for the advice.Assistant: Then start looking for apartments to get cheaper rent. And you pull out utilities at 150month, so I dont see why you write that they are included.Just on housing and utilities you are spending 65 of your income. Any savings tips we offer will do you very little good until you address this huge finance-destroying expense of yours.Human: I have a lease on the house until Dec. 15 2015 so I am stuck with it. :Assistant: Did you just sign this lease? If not, how long have you been living there?And you may not be stuck with it. Look for someone to take over for you so you can move out. Check with your lease to see if this is allowed, but most places allow you to find a replacement as long as the new person takes over the lease.Also, look for a second job now. Plenty of stores hiring seasonal workers. You need the extra income. And keep looking for something to replace your current primary job - something greater than minimum wage.Human: Yes I signed it last week, my aunt is the landlord so I am sure we could work something out. I dont make minimum wage though. Please see the edit I made to the original post.Assistant: What wage are you getting? And how many hours are you working?Human: I make about 11 hour, I work 9-3 every day see edit in original post  <response>: You know, I didnt even realize you work for your aunt, you rent from your aunt, and you do errands for your aunt.Go outside of your family and find a job. You shouldnt be making these low wages when working for a financial firm and deal with millions of dollars in currency. You do not need to continue this arrangement. 