Hey everyone! We have an awesome new dear debt letter from Alaya. Alaya blogs at Hope+Cents, and is on a mission to provide help and show others hope in their financial situations. After conquering her $74,000 of consumer debt in two years, she now coaches others as they dump their debt and take control of their finances.

Dear Debt,

It’s been almost five years since we broke up, and I must say I do think of you from time-to-time.

Now, don’t get excited — it’s not in the way you think. I’m not pining after you or considering going back to you. What I think about is all the things you used to say to me and the promises you made. What I think about is how I just don’t understand you (or them) anymore.

In the fifteen years we were together, you convinced me that life was not possible without you — that if I wanted to do anything at all, it had to be done with you by my side. Somehow, I believed you. I gave you so many precious years of my life without ever challenging whether or not you were good for me. I bought into your lie that I couldn’t survive without you.

Looking back, I can see how you were able to deceive me so easily. I was naive. It never occurred to me that life without you was feasible. I didn’t realize that I could challenge that myth, nor did I have the patience or discipline at the time to do so. Even my parents, who introduced me to you before I was even old enough to have a relationship with you, believed your lies. I cannot blame them or be too upset with them — they thought you could offer me a better life than they could.

Now that I’m on the other side of our relationship, I cannot comprehend your promises. My older and wiser self knows what you offer is attainable without you. It may not come instantly or as quickly as it does with you, but that’s okay. My brain no longer can compute the benefits of cozying up with you.

You reached out to me a couple of years ago, and somehow, you managed to get under my husband’s skin. He suggested I think about contacting you “just this once.” Traitor! I couldn’t believe that after everything we did to rid our lives of you, he would suggest seeing you again. He tried to explain the benefits of reaching out to you, but I just couldn’t process what he was saying. He was speaking gibberish, and I didn’t understand it. I just don’t understand you anymore.

You are cunning, debt. You convince people that you are as essential as oxygen. You consistently reach out to my friends and family, and despite my warnings, some of them have started relationships with you. They are where I once was — captivated by your promises and unaware that they don’t need you. My hope for them is that they too will soon reach a point of not understanding you.

So, goodbye again debt. I would say I have missed you, but I haven’t. I’m sorry, but I just don’t get you anymore.

Take Care of Yourself,




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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13 responses to “Dear Debt, I Just Don’t Get You Anymore”

  1. Congrats on paying all that debt in a short amount of time! Hopefully your story will inspire some people out there!
    Tonya@Budget and the Beach recently posted…ThingsMy Profile

  2. Mortimer says:

    Inspiring story, and words, and good to see you’ve crossed the point of no return. Congrats!

  3. Nice letter 🙂

    Good job on paying off your debt, and well done for putting your partner straight wanting debt again – no!

    Dividendsdownunder recently posted…Saving for the future: MayMy Profile

  4. I just love this letter. I’m still on my journey to pay off debt. Unfortunately mine is a multiple of the figure faced in the post unfortunately. For Alaya to pay that amount off in two years is epic, I’m hopefully going to beat that. But this letter, it’s so inspiring, thanks for sharing it, and thanks to Alaya for writing it.
    Lloyd Phillips recently posted…Why a Cost-Cutting Strategy Helps You Pay Off Debt QuicklyMy Profile

  5. Jayme says:

    That is an amazing amount paid off in so little time! Congratulations on your victory, and your resilience to temptation!
    I can absolutely relate to the “gibberish” part…we have cut our debt down this year to just our house, and my husband mentioned a loan for some little thing the other day. I pretended it was a foreign language I was hearing!

  6. Congrats on becoming debt-free and staying that way!
    Holly Johnson recently posted…My Favorite Credit Card Perks (and How I Use Them)My Profile

  7. Monica Louie says:

    I love this, Alaya! Congrats on getting and staying out of debt! And thanks to Melanie for sharing your letter!
    Monica Louie recently posted…How One Couple Found Financial Freedom by Paying Off $500,000 of DebtMy Profile

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