If we ever *had* to move to another house then things probably would be pretty dire financially. So yeah, tree house, cheap ass apartment, move in with friends, whatever. I understand why people want to keep a good credit rating, but for us right now, we don't have to.
I think the only reason to want to keep a good credit rating is to buy a home. Most people can't swing that kind of cash. I get that. All the other junk, you don't need or can buy used or cheap until you can save up.
I'm pretty old school about that stuff.