Very good advice from all of you. No, I'm not looking into anything specific at the moment; I'm just wondering how to get started off on the right foot. As for my spending habits, I'm incredibly financially conservative. I just sepnt $300 on computer stuff, but that was putting money aside for the better part of three months. The only bills I am responsible for at this point in time are my college-related bills: Tuition, room/board, etc. Unfortunately, since I do not have a debit card, I have to use my parent's debit card to pay these bills, so I'm not getting recognized officially for paying them off. That's the primary reason I wish to obtain a debit card.