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I believe that personal debts or obligations, if not honored, can lead to guilt. Ecological debts can produce guilt if one knows that disrupting natural cycles leaves future generations with damage to repair. To avoid feeling guilty or obligated, worries about unpaid bills, or interest charges, to some extent in my life as a whole I adopt a "work hard, pay as you go" approach.

Alternate Concise Characterization with Wikipedia Entries:

operates within constraints of personal budget

supports laws requiring governments to balance budgets

practices putting money aside for later use / saving

understands the need to minimize ecological debt 

summary Wikipedia article: none

Numerical Characterization with TFJD code: 3213

Numerical Characterization with Emotional Volatility VI index: 12

Related Words, Beliefs, Background -- 41 entries               Songs!             Discussion from The Worldview Literacy Book

playing  card related:  these are spade worldview themes: individual <---> nature             card #45 concise description 

More to Explore -- Worldview Themes #45A & 45B: Borrowing Mentality / Work Hard, Pay As You Go

Debt (from online encyclopedia, mainly about financial debt)
Criticism of Debt (from online encyclopedia, about debt in the most general sense)
Consumer Debt (from online encyclopedia)
Pay as You Go (from online encyclopedia)
Frugality (from online encyclopedia)
Guilt  (from online encyclopedia)  
Credit Card  (from online encyclopedia)
Government Debt (from online encyclopedia)
Microcredit (from online encyclopedia)
Grameen Bank (from online encyclopedia)
Balanced Budget Amendment (from online encyclopedia)
Worldview Watch #44, posted 5/19/2015: Steps Toward a Pay As You Go Economy
Worldview Watch #11: Soda Taxes to Fight Obesity and Raise Revenue 

The Debt Issue (several stories on debt Yes! magazine fall 2015)

2013 Credit Card Debt Survey (on The Card Hub, the ultimate website about credit cards on multiple levels: consumer, researcher, etc.)
Grameen Bank (homepage of those who pioneered microcredit)
The Lending Club (peer lending group promoting "investors earn better returns, borrowers pay lower rates")
Debt Relief Now (sounds a call for action to relieve Third World Debt)
Kiva (website of non-profit whose mission is "to connect people through lending to alleviate poverty")
Finance for the Poor--Microlending (report from The Economist October 8 2016)
Understanding the USA National Debt (educational website
"Personal Loans: Whom to Trust" (article from The Economist August 15, 2015)
"Ending the Debt Addiction: A Senseless Subsidy" (article from The Economist May 16 2015)
"Lending to Poor Farmers--Seeding the Market" (article from The Economist March 14 2015)
"Chinese Debt: The Great Hole of China" (article from The Economist Oct 18 2014)
"Why We Need a Bank at the Post Office"  by John Nichols (article from The Nation March 3 2014)
"The Euro Crisis: Debtor's Prison" (article from The Economist Oct 26 2013)
"The Dangers of Debt: Lending Weight" (article about the role of debt in the financial crisis The Economist Sep 14 2013)
"Is the National Debt Harmful to Our Children?" (Jan 2013 commentary on USA debt by PBS NewsHour's Paul Solman)
"Beware the Student Debt Bomb" (March 2012 report from Common Dreams website) 
"Student Loans in America: Nope, Just Debt" (article in The Economist October 29 2011)
"Is a Debt-free Life the Best Way to Live?" by Walter Updegrave (June 2011 story on CNN Money)
"Scorning Debt, Consumers' Credit Scores Soar" by Helen Chernikoff (August 2010 news report)
"Four Deformations of the Apocalypse" by David Stockman (July 31 2010 NY Times Op-ed piece)
Deficits, the National Debt, and Economic Growth ("in a growing economy, the National Debt is nothing to fear")
This Time is Different by C. Reinhart, K. Rogoff (2008 paper on history of financial crises involving debt)
Borrow: The American Way of Debt by Louis Hyman (author's website for this 2011 book)
The Overspent American, by Juliet Shor (book by economics professor at Boston College)
The Secret History of the Credit Card (PBS frontline documentary, watch online)
Maxed Out (2006 documentary)
In Debt We Trust (2006 documentary) 
Your Credit Scores (from U.S. government sponsored Consumer Federation of America and Fair Isaac Corp.)
Consumer Guide to Credit
The Lending Club (peer to peer lending)
Prosper (peer to peer lending)
Money Matters for Students: Establishing Credit
Compulsive Spending / Debt Counseling
The Advertising of Installment Plans, by Sharon Murphy (historical perspective)
Financial Psychology and Lifechanging Events
Public Principles of Public Debt: A Defense and Restatement, by James Buchanan
"Can Microfinance Make it in America?" by Barbara Kiviat, (article in Time January 11 2010)
"Did Christianity Cause the Crash? How Preachers Are Spreading a Gospel of Debt," by Hanna Rosin (the Atlantic, Dec 2009)
"The New Austerity," by Justin Fox (article about a great new idea in Time March 24 2008)
"Hey Buddy, Can You Spare $10,000?" by Jennie L. St. John (re: peer to peer loans Time March 17 2008)
"Visa Charges On," by Justin Fox (article in Time March 17 2008)
"Exposing the Credit Card Fine Print," by Anita Hamilton (article in Time March 3 2008)
Consumer Debt and Bankruptcy, by Fred Foldvary ("The Progress Report" editorial)
The Ethics of Bankruptcy, by Jukka Kilpi (read excerpts of this 1998 book at Google Books)
America's Total Debt Report, by Michael Hodges (website full of debt-related financial reports) 
"Going Bankrupt: Why the Debt Crisis is Now the Greatest Threat to the American Republic", by Chalmers Johnson
Ethics and International Debt: A View From Feminist Economics, by Julie Nelson
 Sovereign Debt at the Crossroads ed. Chris Jochnick from Oxford University Press (third world debt crisis)
Ecological Debt (from New Economics Foundation)
Ecological Debt / Carbon Footprint Related Song Lyrics
Christian Perspective on Being in Debt
Usury (from online encyclopedia, includes Biblical injunctions against usury)
Consumer Debt Help (credit card debt consolidation service)
Loan Calculator (free online program to figure size of monthly payments, etc)
Good Debt, Bad Debt, by Jon Hanson (book from "The Financial Sanity Pundit")
"The New Austerity," by Justin Fox (article about a great new idea in Time March 24 2008)
"Hey Buddy, Can You Spare $10,000?" by Jennie L. St. John (re: peer to peer loans Time March 17 2008)
Debt Smothers Young Americans (a USA Today report)
Risk and the Democratization of Credit Cards, by Susan Black and Donald Morgan
Kick the Credit Card Habit, by Chris Farrell
Consumerism and Fiscal Disorder (from Reconstructing American History, by Alfred de Grazia, Yale Univ.)
"Who Needs the Mortgage Interest Deduction?" by Roger Lowenstein (March 5, 2006 NY Times story)
Your Money or Your Life, by Joe Dominguez and Vicki Robin (homepage for this book)
Student Debt Alert (organization concerned with college student debt)
How Long Can Households Sustain Negative Savings?, by John Waggoner (March 2006 USA Today article)
quotes related to borrowing
quotes related to frugality

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"As you shop in "The Reality Marketplace" avoid spending your "reality cash" too early,  before you have seen everything. " 
from Coming of Age in the Global Village,  by Stephen P. Cook,  with Donella H. Meadows.