September 16, 2015

Hey debt fighters! Are you ready to dump debt? Reclaim your life and finally kick debt to the curb? Well, we have a great dear debt letter for you today from Shirria. Shirria is the personal finance blogger behind  She’s a new blogger so show her your support and say hello! Follow her personal journey to financial freedom, early retirement, and happiness, just one goal at a time!

Dear Debt,

When we met fourteen years ago, you were the thing of my dreams. You provided me with nice belongings, took me nice places, and made sure my needs were met, especially in emergencies. You were there every step of the way during college and on into adulthood.  You provided me with nice cars and even a house that I adore and love!

However, you’ve become a burden. I am tired of you having “first dibs” on the income I work 40 plus hours/week for. I’m tired of thinking of you all the time and how I can get rid of you. You have begun to drain me, my paycheck, and my life. I no longer wish to have the gifts that you provide because I’m aware that it requires me to give more than you have ever given me. I’m so unhappy with you.

As a result, I’m cutting all ties to you.  I know it’ll take time but I’m committed and focused!

Soon to be free from you!

P.S. Did you know I could have had everything that you’ve given me without you? Go figure!


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

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.

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2 responses to “Cutting Ties”

  1. This is great! I love the reconition of what debt provided but also that the cost and burden wasn’t worth it. It’s going to be a great day when you’re completely free from that debt! Awesome!

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