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Get a credit card. Use it for everything you buy, but don't spend more than you have. Pay it off in full at the end of each month. You will pay no fees and no interest, build credit, and if you get the right card, you can earn some pretty decent rewards.
For example, I've had a Citibank Drivers Edge card for several years. I've never paid a penny of interest, and I earn $500 each year toward the purchase of any new or used car. I send in a copy of the bill of sale, Citibank sends me a check for up to $2500.
You can't beat that with a stick.
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