Hey debt fighters! Ready for another dear debt letter? This one comes from Nair. 

Dear Debt,

Wow, we have been doing this dance for so long. You have become such a key feature of my life and my story. I’ve wrapped myself in you and used you as an excuse for putting off so many things in my life and keeping people at arm’s length.

It’s time now to say goodbye and let you go. Let go of the behaviors that make me feel unworthy, shameful and stuck in a loop.

Sometimes you were there to help me out in emergencies but most of the time I used you as a crutch to help me through hard or uncomfortable times when I didn’t want to confront the real (emotional) issues I was dealing with.

I’m letting you go now so that I can move on and enjoy the next season of my life. The season of freedom, real independence and wealth. I’m ready to stop paying for and reliving the past on a regular basis. I’m looking forward now and excited to live a life full of choices and opportunities.

Thanks again ‘old friend’ but I’m off!


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.

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3 responses to “Dear Debt, Goodbye Old Friend”

  1. Tamara says:

    Thank you for expressing what I have felt for the last few years. I kept people at arms length due to embarrassment and feeling unworthy and stupid. But ready to move on now.

  2. ZJ Thorne says:

    Hello freedom!
    ZJ Thorne recently posted…Net Worth Week 91 – New Year EditionMy Profile

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