I am currently a part time package handler at UPS; I work 3rd shift. I also signed up to take 15 credit hours for the spring semester. I am ready to be on my own and need advice on what I need to do. I do not want to make reckless decisions. I thought about getting a second job because I only make $150.00 a week at UPS. My car insurance costs 200 dollars a month; this is including the discounts. I am 20 years old and had a minor accident in the school parking lot so that is why my insurance is expensive. I need to build up my credit and budget my money. I have Chase checking and savings account. I am thinking about getting a credit card with them as well. I just need ideas on how I should go about budgeting my money, if I should look for different insurance companies, and if I should go to school part time? If I go to school full time I will be done with the bachelors program in fall 2014. I will have health, dental, vision insurance provided to me in June from UPS. I think I provided enough information! Please let me know what I should do ASAP!