Hate to say it, but I had to reread the OP.
Some debt cannot be avoided, as few of us can’t just walk in with cash and buy a house or car.
Using “credit” can be beneficial but you must be disciplined about it.
Only buy things with credit that you can actually pay cash for, you just aren’t carrying around the cash.
So I have been paying off medical debts and this has left me short of “pocket money”. At the same time, I have been restructuring my income and payments to pay stuff off faster and still put money into savings and occasionally get something that I want.
For example, a couple of AR parts were wanted, I could have just put them on the card, but instead I put the money into savings little by little until I had the cost covered. Then the parts were purchased with the card, and the money immediately transferred and the card payment made.
But no purchases are made with the card unless the cash is already there to pay that charge off.
It has really helped me focus on my wants needs and desires. And by July, I will be debt free except for whats left of the student loans and the house, good thing as I need to be looking for a car for the youngest.