Which of the following is not a benefit of being financially responsible? Good credit score so that you are able to qualify for a loan for a house. Plenty of money in savings in case of an emergency. Having a credit card so that you can pay the water bill until you catch up on the rest of your bills. Ability to afford to send your children to college.

Having a credit card so that you can pay the water bill until you catch up on the rest of your bills is not inherently a benefit of being financially responsible. While using credit can be a part of a responsible financial plan, relying on credit to pay bills due to not having enough funds isn't a sign of financial health; it indicates potential financial strain and the possibility of accruing debt.

Extra: Being financially responsible generally means that you are managing your money in a way that is conducive to economic stability, future planning, and security. This includes keeping track of expenses, saving money, investing for the future, and making strategic financial decisions. A good credit score enables you to borrow money at lower interest rates, which can help you when looking to make big purchases like a home. Having emergency savings protects you against unforeseen expenses without the need to rely on credit. Planning for long-term goals, such as your children's education, is also part of being financially responsible. It involves saving proactively so that you can afford significant expenses without jeopardizing your financial stability.

Using credit cards as a stop-gap measure for basic expenses might signal that your budgeting needs adjusting or that you're experiencing financial difficulties, which could lead to high-interest debt if not managed carefully. Financial education is important for developing budgeting skills, learning about the responsible use of credit, and for understanding different financial products and their implications on one's overall economic health.