To keep things simple and with the least amount of stress it is good to keep out of debt. Right now I don not have any debt. No car payment, no mortgage, no credit card that we can't pay off.
The debt that is ok to have is the kind that you know you can afford. Don't put anything on a credit card that you can not pay off by the end of the month. Still build credit and allows you to gain any cash back that the companies offer.
When you succeed in this it really makes life less stressful. Knowing that you have control.