I would cut back if I had a $500 water bill and if I used credit cards and bought unnecessary items I wouldn’t use a credit card nor would I buy those things with cash. I’m tight with buying however I buy. We aren’t in flood or tornado country but we are in earthquake area. I’m willing to have the card in case of disaster. If it costs me nothing and over the course of years I know myself to be frugal, and no one else is on those cards, it’s just a choice I’ve made. Even prospective employers and landlords look at credit ratings these days. Never had a huge salary and never got in debt trouble before or after DR so feel okay with it.