First step to Build credit
Getting a credit card, use a couple of times a month, and pay it off any other time, and 3 / 4 the other half.
Astronomical Binocular
I have been using binocular telescopes ever since middle school. Of course, when I first got into it, they were pretty low powered. I could see the moon in great detail, occasionally catch Venus when it was close, and get a brighter picture of a few nearby stars. That was about it.