<prompt> Human: Saving up 2K hasnt been an easy feat as a young intern in NYC, but I am SO happy Ive finally done it! By the end of this month, I should have another 1800 in my pocket.I know its not a lot, but I come from a poor family, and I was able to give my mom 500 last week, no questions asked, and I dont expect to be paid back by any means. So. Basically. Im at a point where Im not freaking about which parent to ask for how much or whatever or if I can buy a new backpack or charger when I need to.Ive averaged about 600 in spending a month, not including the 1300 of rent Ive paid. Mostly food, entertainment, and clothing.Once school starts again, Ill be spending close to nothing a month. Maybe 30month on laundry IF that and the occasional restaurant or shopping trip, but otherwise, Im pretty tight-fisted during the school year. My full ride covers almost everything, but I did take out about 1000 in loans last year to survive plane tickets home, incidentals, etc.Part of me thinks that I should stay away from credit cards for as long as possible. The other part of me thinks now is the time, while Ive got a decent amount piling up and nothing else to do with it.Any suggestions?  <response>: Getting a credit card is fine, but getting one should not be based on the fact that you have more money now. Continue to be prudent about your spending and dont spend more because you have a CC.nerdwallet.com 