building credit

building credit

I know this is asked often.... I want to build better credit so when I go to buy big purchases down the road in say, 5 years, I can get reasonable rates and therefore save big when Mommy and Family won't help anymore. They don't pay for everything now, I don't want to sound like a free loader, but I do get health insurance from them, and I live with them 2 months out of the year, and they help me when I need it, exc. However, I am currently up to my eyeballs in alot of student loans (totaling about 20,000), and screwed up on a Macys card about two years ago, because I had the bill sent to the wrong address so I didn't get the bill till it was 5 months late and it spiraled from there. Now, I assure you, I am more responsible. I have a job with a decent amount of money for my lifestyle, and I am still a student so I am able to get student discounts, cards, exc. What do you believe would be a good way to go about building credit? Currently, the only bills I have are my utilities which are paid on time every month, and a debit visa card which always has some money stored on it. I get some Mastercard offers every month, but If i do go the way of a card, I want one without an annual fee if possible. I was denied for a AmEx Blue and an AmEx student Blue. I'm not sure if credit cards are the best way, but since the only account open is my debit visa for 4 years, I don't know what else might help(besides paying everything on time, duh).
Are orchids really plants, or are they like mushrooms or ferns?

Are orchids really plants, or are they like mushrooms or ferns?

My garden part 1

My garden part 1

My 100 year old tea rose bush is in full bloom!

My 100 year old tea rose bush is in full bloom!

My parents’ garden…

My parents’ garden…

so ! i finally cleared my room – more or less.

so ! i finally cleared my room – more or less.

My new place in decent enough shape to share

My new place in decent enough shape to share