Dear Debt, I Can’t Stand Your Ugly Ass

Hey everyone! Today we have a fantastic dear debt letter from Latoya. Latoya is a wife and mother of two who lives in Columbia, SC.  She is working towards paying off $79,733 in debt to be exact. Her goal is to be finished paying off her debt within the next 5 years.  Latoya is a freelance writer for hire who writes at Life and a Budget about life and money.

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Dear Debt,

I really can’t stand your ugly ass.

You weigh me down and cause me unnecessary stress.  I think about you all the time when there are much better things to be concerned about.  I wonder what I’ll feel like on that special day when you will no longer exist in my life.

The day your ugly ass can no longer call a place in my life home, will be the best day ever.

You lured me in with your enticements when I was only a baby.  Fresh outta high school without a dollar to my name, you made me fall in love with you.  I’ll admit you had me whipped.  Had me acting a fool over you.  I loved you hard.  You supplied all of my young needs.  I was so eager to use you – never thinking of how I would pay ten times over for enjoying the temporary pleasure you provided.

I had no protection from you.

I didn’t know what I was getting myself into because I wasn’t taught any better. In school we’re taught to protect ourselves from unwanted pregnancies and diseases, but taught little about your ugly ass and how you can taunt us for decades if we don’t take precautionary measures against you.

If I’d known what I was up against, I could have prepared mentally and financially.

The income from my summer internships wouldn’t have been wasted on providing you with your minimum monthly maintenance.  I could have invested that money and watched it grow.  I could have practiced the art of self discipline.  Instead, I’m trying to teach my 31-year-old self tricks I could have learned years ago.

Half of the stuff you brought into my life I didn’t even need. College students didn’t need the latest from Victoria Secret, Foot Locker, or Macy’s.  The only thing I needed was my mind and the education which I set out for.

Anyway, I’m tired of your ugly ass stalking me.

I have become exasperated by your ability to multiply even though we aren’t cool like that anymore.  I want you to leave me alone and I’ve decided to do something about you. I’m coming for you.

I’m an ex-lover scorned and I can’t wait to annihilate your ass.  The clock is quickly winding down on your ass, so I hope you’re prepared.  You can’t do this to me anymore.  I will not let you have anymore of my present or my future.

I hope you’re prepared to say goodbye. The day is coming quickly and there isn’t a thing you can do about it.  Got any questions?  I hope not because I’m no longer answering to you.

Dueces.

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Melanie

Melanie Lockert is the founder of the blog and author of the book, Dear Debt. Through her blog, she chronicled her journey out of $81,000 in student loan debt. She is also the co-founder of the Lola Retreat, which helps bold women face their fears, own their dreams and figure out a plan to be in control of their finances. She is passionate about empowering women, helping others get out of debt, and focuses on the intersection of debt and mental health. Every September she organizes a Suicide Prevention Awareness Blog Tour, to help share resources for those struggling with debt and suicide. In addition to her love of personal finance, art and music, she is also a karaoke master and a cat mom to Miles and Thelonious.

Latest posts by Melanie (see all)

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