Any advice you’ve ever heard or given. I linked a great video that I think would be my answer, combined with the “stop caring what other people think about you” and “comparison is the thief of joy” comments below. Just do stuff that you wanna do, don’t compare and don’t care what others say. It’s awesome advice.
Credit cards should be used exclusively for discounts and to build your credit. Only use them if you have the resources to pay the balance in full every month so you’ll never pay interest.
Credit cards for anything over £100 online, for the built-in fraud protection - https://www.moneysupermarket.com/credit-cards/guide-to-credit-card-protection/