This is another thread that I don't quite know where to post.
And it's a delicate subject - debt. I don't want to know what your financial situation is, or how deeply in debt you might be, but from the number of spam calls I get that start off with 'Are you tired of bill collectors harassing you?' or 'We have the answer to your credit problems.' it must be a subject that a fair number of people struggle with.
What is your attitude towards debt? Never a lender or a borrower be - or if you need it now, buy it now, enjoy it, and pay for it over a period of time while enjoying it? Or somewhere in between?