Kudos on the honesty and courage to face head-on what most people would prefer to gloss over — their mistakes.

I would suggest a different way of looking at some of these.

• Regarding consolidation of student loans, the important question is whether the aggregate interest rate of the separate loans was higher than your current interest rate. If it was, then you did not make a mistake. You can still pay off the consolidated loan faster than you would have paid off the raft of loans you had before. Just put toward each payment as much as you would have paid under the (remarkably over-rated Ramsey’s) snowball method.
• Regarding not using credit cards or other financing to pay for things you can afford to pay for in cash, that depends on whether you can and do use a rewards card (I think you do) and pay off the balance in full at the end of each billing cycle. Here’s what I wrote about the best and worst ways of using a credit card.

In any case, good luck in continuing to learn from your mistakes (and hopefully those of others too).