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The number one thing to never do, in my opinion, is never get into credit card debt. Avoid any high interest debt, no matter what. As long as you are operating entirely from a place of cash, as long as you’re not spending money that you don’t have, you know that you can never sink yourself below zero. Zero is the lowest you can go, and you can’t get to a negative number.
That being said, I think it’s perfectly fine to have a mortgage, to have a low-interest car payment, to have a low-interest student loan. These things are not only fine, but necessary, to be able to get an education, to be able to get the cheap used vehicle that can get you to your job, to be able to get into a home, right? These things are necessary for most of us. These items all have relatively low interest rates. Credit cards do not. Credit cards have a high interest rate, and they can spiral out of control very quickly.
If you do have a credit card, make sure the full balance is paid off in full every single month, and if once a month is something that’s hard for you to sustain, pay it off every day, every couple of days, every week, or get rid of the credit card entirely and go to debit cards or cash until you are able to manage credit card spending responsibly.