PAST DEBT:
Some types of debt can be okay if you know how to manage them. Be familiar with the terms of your debt and penalties and defaults, always on the lookout for better interest rates and debt management tools. Plan for contingencies and problems that might arise. If needed, approach a consultant who can give you a list of options you might not be aware of.

FUTURE DEBT:
From now on, Aridni challenges you to create debt if it meets our one criterion: Use debt to finance projects that provide a return.

What kind of return could a plasma TV generate if any? Then again, what type of return could you get from a computer to further or manage your finances?