I never carry cash anymore; we put everything on AmEx, and have a Visa for places that don’t take AmEx, BUT we pay off the bill every month. Credit card companies hate us.
We have a mortgage, of course, AND a car payment (one is paid off) just because the rate is so low. Debt free is great.
Once you get in the habit of NOT buying, you should be able to use the cards again, just to maintain a good credit history.
it’s good to make mistakes when you are young; if you don’t, you’ll make them when you are older, and get in real trouble.