Cannot disable the Drupal Cache

Hi, I am a Drupal newbie. I’ve just started to explore the Drupal Engine, and now I’m creating my own theme.
But I cannot do this, because every single change requires clearing the cache.
I have to go to the admin panel and click “Clear cache”, and btw it takes quite a lot of time to complete.
So basically it is impossible to develop.

I have read a lot of tutorials and articles about disabling, but this still doesn’t help.

Here is my file sites/default/settings.local.php


assert_options(ASSERT_ACTIVE, TRUE);

$settings['container_yamls'][] = DRUPAL_ROOT . '/sites/';

$config['system.logging']['error_level'] = 'verbose';

$config['system.performance']['css']['preprocess'] = FALSE;
$config['system.performance']['js']['preprocess'] = FALSE;

$settings['cache']['bins']['render'] = 'cache.backend.null';
$settings['cache']['bins']['dynamic_page_cache'] = 'cache.backend.null';

$settings['extension_discovery_scan_tests'] = TRUE;

$settings['rebuild_access'] = TRUE;
$settings['skip_permissions_hardening'] = TRUE;

And I have uncommented these lines in sites/default/default.settings.php

if (file_exists($app_root . '/' . $site_path . '/settings.local.php')) {
    include $app_root . '/' . $site_path . '/settings.local.php';

And finally my sites/ looks like that

  http.response.debug_cacheability_headers: true
    debug : true
    auto_reload: true
    cache: false
    class: DrupalCoreCacheNullBackendFactory

But still I have to clear the cache every time I change something.

Please help to find a way to disable the cache completely.

I would be grateful for any help.

Drupal version: