Get used to paying by cash or check for things instead of by credit card, and if you can't afford to pay by check, get used to doing without. Don't use the card you keep. The only reason you have it is so that if you're seven hundred miles from home and your car breaks down and no one at home can wire you money and without it you'll have to panhandle your way home, you won't have to panhandle your way home. Get some sort of health insurance. Writing does not come with it.
Writing has benefits, but they tend to be of the intangible sort.
Try to find affordable health insurance that has a reasonable deductible, that will let you go to whatever doctor you want, and that doesn't exclude everything you might ever possibly have from its list of covered items. My insurance is with International Benefit Services Corporation. They're pretty good. Have your next year or two of work lined up before you quit. This site created, maintained, and attended by Holly Lisle.