<human>: I'll start by illustrating my basic situation - I recently switched to a new job, working full time for $15.85/hr. I live with my boyfriend, who pays the rent. My monetary obligations are:

Student loan - IBR $30/month.
Phone - $40/month.
Household items and groceries ~$2-300 a month.
gas/insurance - $100/month.

I have two clothing store cards that I used to buy work clothes, which I will pay off completely with my first two paychecks. My credit union issued me a special super low limit visa with a $250 limit that I will pay off as well. I have an IRA on my own, and a credit score of just slightly below negative. 

When I was 18 I went through a rough patch and defaulted on a credit card, they scheduled a court date I couldn't make it to, and I haven't heard anything about it in over a year.

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Provide a brief overview of the text.
<bot>: ) How, with my new income, can I best start saving and rebuilding my credit? Are certain savings accounts better than others? Should I prioritize building my credit over savings?