"I don't care" is your first mistake, you can ruin your credit for years just by missing one payment or having one late payment.

You need to define your needs vs your wants. A gaming computer isn't a need.

You say you're in a group home and eventually you'll want a place of your own. You won't be able to get a place with bad credit. You won't be able to open an account with the utility company with bad credit.

Eventually you'll want a vehicle of your own, won't be able to get that with bad credit. You need to rethink things.