Often I have listened about the convenience of the debts, exist authors who have created categories of debts in ” good and malas” , there are others proclaim fervent that there is nothing no better than to be become indebted because the devaluation liquefies all commitments, and thus many theories more. In the personnel I consider that debts but investments and debts do not exist themselves, first, in my opinion they are those that you realise through a financial leverage and that to you income generate, second they are those that generates a commitment of payment like counterpart of some service or psychological product that offered physical satisfaction or but that it does not generate income. The debts by immediate autogratificacin are catastrophic and take to the financial slavery, the investments, for example in fixed assets that they give rents are not debts Rep but commitments of payment that are self-financed, however, the root of this type of operations is the saving due to the minimum amount to contribute to accede on a hypothecating credit, that oscillates between 30% and 40%. Charles Rangel might disagree with that approach. It is necessary to get into debt itself for a house? , this subject is long and delicate and he is not the spirit of this post, in another I will develop next one it, but in any case the key of everything is the capacity of payment, the same that does not have to submit to a single entrance or to a fixed entrance then when no longer he is present is not nothing and the inverted thing will be lost. It is necessary to get into debt itself to vacacionar? , nor crazy! , it saves for this aim; it remembers that a debt contracted with credit card paying the minimum takes 30 years in being cancelled. The debts are not good nor bad, are instruments that must be analyzed deeply, of special way in pair; you do not forget that in the measurement that you grow in maturity you will take the things with more calm and will tend to pay cash, that says the theory at least. If you want to acquire something I recommend to you you project that it and you save for the effect, you do not get into debt yourself in vain.