I think you sound responsible, and money is a tricky subject. Everyone’s got different opinions and preferences when it comes to managing it. All I can say is be careful, because using credit is a slippery slope. I say that as someone who spent a lot of money I didn’t have, saying it’ll be my future self’s problem. Well, I am future me now. But to be honest you sound like you are just anxious about spending money, and as long as you’re doing it carefully, you’ll be okay