Having that on the books means they get to lend MORE than $4k out as credit card debt at 18%, or mortgage debt at 6.5%!

I have done this for a while instead of a debit card. 

We're paying for repairs with a company credit card.

Hello,Total purchase was $602,000 plus closing costs (appx: $8,000)The cost for the ADU was $265,000  ( It is a 3 bedroom 3 bath with a kitchen and 2 wet bars which I rent separately , including Plans and permits (Appx: $ 15,000)This was my first property when I did this, I paid for the ADU with lines of credits and credit cards and than refinanced and paid them off.I noticed you said it sounds kind of high, are you located in the Los Angeles area ?

See here for more info: Current GuidelinesMany music and performance venues and some restaurants in the city started to require all guests who wish to attend to provide a valid, complete Covid-19 vaccination card OR proof of a negative Covid-19 test (performed within the previous 72 hours) prior to entry into the venue, before the Mayor issued the mandate. 

I don't back off on cards I add to the budget. 

Gift-cards? 

Investors are celebrating rent increases left and right but ignoring the fact that, while their tenants can "afford" the increased rents on a rent-to-income analysis, they cannot afford the rents on an income-to-expense analysis, when you include their cars, credit cards, etc.  

There's a minimum dollar amount to register and get a bidders card.

Then, I would stop your contributions of $500/month to "savings" and just hammer out that credit card debt.