Raggie, you have impressed me as one who manages what he has well. I think, as previously suggested, one of the "Deposit Secured Credit Cards" would be a good idea for you.
There are numerous banks that offer these and you don't need to have any credit history to get one, ASFAIR. I rebuilt my credit with one of these cards from Capital One.
You can get in trouble with one of these, too. For instance, if you fall behind on payments the interest will make you cry. You can't just say "close my account and pay off what I owe you with the deposit".
You have to pay off your balance and then close the account and they will get around to sending your deposit back to you.
But, you can also deposit more money after a few months and it will increase your "credit" on the account by the same amount. Sometimes they "reward" you with 1.5 dollars of credit for each dollar of an additional deposit you make.
Within a year you will be receiving all kinds of offers from other banks and credit card outfits. Best to turn them all down, tear 'em up and throw 'em away till you've managed your secure card for a year or two.
I keep one secure card with $1000.00 credit on it inviolate. It is strictly for emergencies. It took me about 30 years to get to the point where I could do it.
I no longer link my credit cards to Paypal. It was just too hard not to buy all kinds of nice crap. My PP is now linked to a special checking account at my bank. No way PP can really screw me anymore. If the seller doesn't take a PP Echeck and ship to my no longer "confirmed" address, I don't buy from him.