We have a brand spankin’ new dear debt letter from Dyana. Here is more about her in her own words:

Like many millennials, I’ve acquired a large amount of debt early on in life from student loans, credit cards, personal loans, and a car payment. I graduated from college in 2015 with roughly $30,000 in debt, and have yet to find a job using my Bachelors of Arts degree. Until that moment comes, I work as a Customer Service Rep to support myself and my four-year-old daughter. I’m the main breadwinner in my home so it gets hard trying to juggle bills and paying off my debt. I’ve recently started a blog at adebtfreejourney.com to document my journey to financial freedom.

Dear Debt,

We’re done.

This secret relationship that we once had is no more. I’m so tired of the back and forth, and the amount of stress you’ve put on my life is no longer worth the temporary rushes you once gave me. I feel as though I eat, sleep, and breathe you, and quite frankly you’re not worth anymore of my precious time.

What’s the big deal you may ask?

Well, let me tell you what you have done to my and my partner’s happiness…it’s nearly gone. The constant bickering about money and what’s owed has replaced all of the laughing and sweet gestures. You’ve maliciously licked your fingers and gently squeezed the flame from our wick. I’m still not quite sure if it will burn again.

I’ll admit that you are entirely my fault. I became addicted to the instant gratification of running up your balance, and I never once thought of the consequences that would await me once the giddiness fizzled out. I wanted to fit in and show the Joneses that they were not the only ones who could have nice things, and I must say that they handle owing masses of cash to everyone but themselves very well—not me however.

I was convinced that I needed you to get me through school, and I foolishly assumed that once my degree was placed into my hands you would just disappear. You were to scram like roaches when faced with Combat, but it appeared that my degree was not potent enough for you.

There were many times when I felt completely hopeless about you. I barely made enough to cover my living expenses, and when my daughter was born, you began growing out of control. I had no idea how I was going to separate myself from you, my income was minuscule, but her little smiling face kept telling me that something had to be done. It was my duty to prepare her for a successful future, and I couldn’t do that with mounds of debt.

At 25-years-old I’m chopping away at this house of debt we’ve built together. It won’t happen overnight, but I WILL be released from your grip. You will no longer have control of me because I am taking the reins to my life back, so I suggest you go find your next victim.



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.

Latest posts by Melanie (see all)

9 responses to “Dear Debt, Something Has to be Done”

  1. MaryAnn says:

    Love it! And love that you’re seeing this at 25. Years ahead of many. Thanks for sharing. Have fun kicking debts butt!

  2. Good luck Dayna! I know that instant gratification feeling all too well!
    Tonya@Budget and the Beach recently posted…January Rewind: Spendy Spendy SpendyMy Profile

  3. Congratulations on making progress! You’re building a great foundation which will be that much stronger once you can teach your child(ren) how to avoid the seductiveness of debt.
    Jack @ Enwealthen recently posted…Successful Retirement Planning For Every AgeMy Profile

  4. Chonce says:

    I love this! I think it’s great to tell your debt that you are done. Over. Goodbye for good. That’s seriously an important first step! Congrats for starting your journey to debt free living!

  5. Mr. Groovy says:

    Best of luck, Dyana. It’s not going to be easy, but you’ve overcome the one hurdle that most people never do–you’ve come to the realization that “temporary giddiness” is not the stuff of a fulfilling life. Bravo.

  6. I must say its a very useful article for everyone.

Leave a Reply

Your email address will not be published. Required fields are marked *

CommentLuv badge