Hey everyone! We have a moving dear debt letter from Kelly. Kelly has been in an abusive relationship with debt since her teenage years, when her father introduced her to credit cards and other debt. She had allowed debt to control her life, leading her down the paths of consumer credit consolidation, bankruptcy, and financial ruin. For some time, she has been trying to break free and leave debt behind for good. She has been unable to do so until now. Kelly likens her situation to having had an addiction that she is realizing for the first time. Today, she is releasing herself from the fierce grip debt has had on her for all these years. With over $30k in debt still weighing on her, she welcomes the freedom of becoming debt-free, climbing onward and upward.

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Dear Debt,

I don’t recall exactly how old I was when we were first introduced. However, I do recall feeling immediately enamored by your wit, charm and seductive ways. You told me the world was my oyster, and all I had to do was pay the minimum balance each month. Brilliant, I thought. We began to get to know each other and I fell in lust immediately.

However, your sweetness quickly faded, and you began controlling and manipulating me with false promises. I began to feel shame that you were in my life. I was embarrassed by my lack of self-control around you. Yet, your tentacles were in deep, and each time I tried pulling them from my flesh, I would bleed and cry. You just laughed knowing the power you had over me. You snarled and snickered in delight knowing I didn’t have the strength, determination or confidence to rip free from your grasp.

And so I stayed. Again and again, I tried to leave, making a little progress each time, but always falling back, scared to really leave you for good. You convinced me I was nothing without you, and I believed you. Fuck! I BELIEVED you. I believed I needed you to succeed, to enjoy life, to really LIVE. Oh the lies! How did I believe so many lies? You have caused me financial ruin, and I have allowed it. I have been addicted to you like someone on crack, always awaiting their next fix.

What an “a ha”! I never realized I was addicted to you until now. What an incredible epiphany realized. It’s like the light switch has been in a perpetually off position. It was taped down and all I needed to do was remove the tape, flip the switch and see the light eradicating darkness of the lies within. All this time I thought I had issues with money. You were deceiving me all along.

Today, November 6, 2016- I take my power back. The truth has been revealed. You can deceive me no longer. I am complete without you. No more seductive games shall you win. I free myself from your bondage and walk away never to return, never to look back.

I hear you mumbling that it’s not over and that I will come back to you. I hear you and acknowledge that this has been my pattern. You are right. I had many lessons to learn, and I thank you for what you taught me. We made this agreement a long time ago, I realize this now and today is the day we say goodbye. I bless you for the lessons.

I release myself in grace and gratitude knowing that I am free, completely free from this moment forward and forever more. It is my time to amass wealth beyond my wildest imaginations. I am a money magnet. Thank you again for all the lessons.

In Self Love and Freedom,

Kelly

Melanie

Melanie is a freelance writer currently living in Portland, Oregon. She is passionate about education, financial literacy, and empowering people to take control of their finances. She writes about breaking up with debt, freelancing, and side hustle adventures at DearDebt.com.

Currently she puts more than 50% of her income towards debt, while living a frugal, fun life. In addition to her love of personal finance, art and music, she is also a karaoke master. Follow the adventure @DearDebtBlog.

6 responses to “Dear Debt, You Can Deceive Me No More”

  1. Miss Mazuma says:

    Powerful. “Your sweetness quickly faded”. Man, why is this such a hard lesson for us to learn when something starts to sour? We look back to the good times and completely ignore what is happening in the moment. Debt, relationships, work. We need to start saying no. We need to say this isn’t right for me. Kelly, congratulations on finding your voice to do just that. Great job!!
    Miss Mazuma recently posted…The Rise and Fall of My Empire…and How I Struck BackMy Profile

  2. EL says:

    Hey this was a good dear debt letter and hopefully she does learn that debt is bad. Some many times people fall back and forth into debt its a spiral. Keep these coming.

  3. Dominique says:

    Brilliant, brilliant post! Very nicely written.

  4. Centsai says:

    This was an extremely powerful message! One of my favorite dear debt letters yet! Reliving yourself from debt feels so rewarding! Kudos to Kelly for going through this difficult time!
    Centsai recently posted…6 Tips To Crush Cyber Monday TemptationMy Profile

  5. Yes, freedom from the need to constantly deal with and pay for borrowing is truly a liberating feeling. Congratulations on moving forward with your financial life.
    Millennial Money recently posted…$45,000 for MillennialMoney.com?My Profile

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