I definitely don't like to hold on to debt, or create debt unnecessarily. (ex: buying something I can do without) Only debt I have is the mortgage, and the way I justify that is I need a place to live and may as well make all my work (past schooling, and current job) worth it and have a nice place to call home that I actually own. People will argue that an apartment is cheaper, but want something I own.
For a while I was carrying 1-2k on my credit line though as I went overboard on my shed in summer with solar panels and stuff. I finally paid that off recently when I took out 5k worth of stocks from my company's saving program. Every time I had the credit line almost paid off I ended up having to overdraft to it for bills or other expenses, so I was never catching up. Basically the first pay cheque of the month I have a bit of money left over, and the 2nd pay cheque, all the rest of the bills come out, and so do the city taxes, so that cleans out that pay cheque, and in some cases part of the 1st one. There's little to no leg room as costs of living keep going up. So for that reason I really hate holding on to any kind of debt as I know it will take a long time to pay it off.
I put $200 extra on my mortgage biweekly though so my main focus now is to try to pay that off faster. I'm even debating on putting an extra $50. It's a small enough amount that I won't really notice.
Looking at buying remote acreage property as I'd like a place to camp and just overall have a fun recreational spot that I own and can build stuff over time, and eventually retire there, but I want to try to pay off the mortgage first. I may jump the gun before if the perfect property comes up though. Most of these properties are not any more expensive than a brand new car, so that's kinda how I justify it... I never could justify the cost of a brand new car, but a property I could justify as I'll have it forever. I don't really vacation much either, that's another cost I can't justify, rather put money towards hobbies and objects that I can enjoy for longer than a week. A property is basically a vacation spot that I own and can make how I want.