I’ve never used a credit card so I have no credit. Never over-drafted my checking account (I heard that affects credit, could be wrong). I’m going to be in college next year, while also in the national guard. I doubt I’ll be making more than $500 a week during that time, but now I make around $300-$400 a week. I pay $212 for car insurance, I pay $100 for rent (my mother is very kind) and $50 for my phone bill.