Think being in debt is just fine? Read on for the top ten reasons why it's great to be debt free.

1. You won't be still paying for Christmas gifts in July
2. You won't have to "sweat it out" at a restaurant or check-out counter wondering if your card is going to be rejected.
3. When you get your paycheck, the money is yours--not the credit card company's.
4. You won't visit the mailbox with trepidation, dreading the credit card bills sitting inside.
5. You won't be on pins and needles each month wondering if the credit card companies have decided to raise your interest rates or payment amounts.
6. You won't be throwing away your hard-earned money on interest.
7. You may have the option to work less if your only financial responsibility is for living expenses.
8. You can handle an emergency when it comes your way.
9. You can start saving money, investing, and building wealth with the money you would have paid to the credit card companies.
10. You'll sleep better at night. We promise.