Hello debt fighters! We’re back with another killer dear debt letter from Monique. Enjoy! 

Dear Debt,

I would introduce myself to you, but you already know me. Unfortunately, we still haven’t broken up, YET…. but, don’t get too comfortable, though because “you’s gots t’go,” my unwanted friend!

We were introduced when I was in college and we began courting each other shortly after when I got approved for my first credit card.

Back then, I was young and dumb. I took myself out of the cool kids’ “Debt Free” club and fell for your shiny, plastic authority with very little knowledge of this lasting relationship you longed for.

God blessed me with a free, all expenses paid vacation through my full ride scholarship to school, but I neglected my blessing when I opened the door to your charming, yet deceiving face. Free of all student loans, all loans for that matter, I was stuck on stupid when I activated my card with the first purchase. Understanding and learning little to nothing about you, I made decisions that bit me in the butt later and I refuse to continue this ongoing, daunting relationship. The buck stops here!

I’ve heard of your horror stories and I will not be another one of your victims you tally in your little black book. Erase my name from your list because I’m leaving you. You may have had your long-lasting relationship with my parents and their parents, but I break the generational curse and bondage of debt upon me and my generations to come in the name of Jesus.

Debt, you have no authority to rule over me, my daughter and the rest of our prosperous lineage coming forth.

In the beginning, you and I were attached at the hip, but now, I’m cutting you off. You have extended your stay and I’ve learned a whole lot more about you. I only have a couple hundred dollars tying us together, but I’m leaving you for good once that gets washed away!

Your brother from another mother, MORTGAGE, is excited to meet me this week. Little does he know, I’m not the same naive and irresponsible young lady I was when we met. The bank’s already approved me for your buddy there, but mark my words: YOU ARE PAID IN FULL in the name of Jesus! Paying you and your brother off glorifies the God I serve and I know that your brother will be sad just like you when I leave him prematurely and unexpectedly.

You see, Debt, you were finally exposed and now, I can punch you in the face and kindly demand you to get the hell out of my life. Thank God for Soul’d Out Christian Center International Las Vegas because this ministry helped me reveal your true colors. After all these years, I will be saying goodbye for good!

Debt, just like my exes from the past, you are no longer welcome in my life. Have a seat on the sidelines and watch as God blesses me to combat your evil ways. There is nothing good about you in my life, so do just like my girl Beyoncé instructed and move ‘to the left, to the left.’

Consider this your eviction notice, Debt! Get your crap and scurry on down the road, far, far, far away! Debt, you’re going down ….and you’re never inserting yourself back into this family or our prosperous generations to come!

Thanks for being a good sport in your efforts to break me, but they didn’t work. I serve a BIG GOD and my BIG GOD loves to do BIG THINGS; therefore, grab a snack, pull up a chair and watch the PROSPEROUS LIFE God has for me! Save one of those seats for your boy, Mortgage because you both are going to be enjoying the sidelines in my life for a long time.

I don’t blame you completely because I know you, SOMETIMES, have good intentions, but I am calling this quits because I will no longer be needing your services, Debt and I definitely will not miss you.

Consider yourself warned, Debt! Start packing because your über driver has been contacted and is on his way!

The 27 year-young widowed, single mommy YOU THOUGHT you had.. You know? The same one who will be putting you to shame …SOON AND REAL SOON



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)

2 responses to “Dear Debt, I’m Breaking the Curse”

  1. All riiiight! Kick that debt to the curb. 🙂
    Mrs. Picky Pincher recently posted…What A Frugal Weekend!My Profile

  2. Mr. Groovy says:

    Awesome job, Monique. I love it when good people rise up and smote fiendish debt. May your courageous spirit spread far and wide.
    Mr. Groovy recently posted…Dad’s SocksMy Profile

Leave a Reply

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

CommentLuv badge