Debt

I do not value debt, or, to put it in positive terms, I value being debt-free. I am not there, yet. Consumer debt is using money I hope to have in the future to buy stuff now. Seems like a good deal until you actually think about it. You will end up paying extra for every item you buy unless you pay off your debt before it accrues any interest. Going forward, I need to reduce my debt load. That will reduce the money lost to interest payments and increase the money I can put to implementing my values.