said by TOPDAWG:
Debt scares the bleep out of me. I've never been in debt well other then my student loan when I owed on it. I'm pretty careful with money and budget pretty good. I got a CC but pay it off in full each month only ever had to pay interest once as I forgot to pay it on time. I also paid for 2 of my college terms myself and skipped getting more loan money.
Keep that attitude and hopefully that will serve you well. I've done my best to avoid debt. I don't count a small equity loan against a paid off home. I pay my cc each month, pay down the equity loan, and try to keep myself in the best financial situation that I can.