Hey debt fighters! We have another great dear debt letter to motivate you to conquer your debt. Today’s letter comes from Tre. Tre is a freelance writer who is passionate about personal finance. You can follow her journey out of debt on her blog House of Tre or on Twitter.

Dear Debt,

We haven’t really spoken for a while, but we need to talk. We’ve been together for a long time.  A very long time.

You’ve been with me for some of the most important events in my adult life. You were here when Tiny Tre was born. You were here when we bought our first house. You were here the day I received my MBA (no offense, but you were pretty fat at that time).

You’ve also been with me during my darkest times. Do you remember that time we were almost homeless? Yeah, that was a rough time. No one expects to finish grad school and almost end up living on the streets, but you were there with me the whole time. Reminding me of your needs. Making them seem more important than anything else.

Debt, for a couple of years I tried to forget about you. But you wouldn’t let me. You always popped up and made sure your needs were met. You made yourself a priority in my life.

I’ve been thinking about you a lot lately.  I don’t know if you’ve noticed, but I’ve been giving you a lot of attention. In fact, I’ve paid you more attention this year than I ever have in the past. Were you flattered? Did you think “Oh, she’s finally remembered me?”

Don’t get too excited. You see old friend, I could never forget about you. You wouldn’t let me. You were always there. Looming over every decision I made.

Debt, this really isn’t working for me anymore. I have some new goals and you just don’t fit in with them. To be honest, you’re a bit of a control freak and I’m getting tired.

I’m tired of you ruling my life.

I’m tired of you deciding where I work.

I’m tired of you deciding how I spend my money.

I’m tired of you deciding if I get to take a vacation.

Most of all, I’m tired of making sacrifices to please you.

Debt, my old friend, it’s over. I’ve made a plan. I have it all worked out. I know exactly how many more days we have together.  You’ll be surprised how short our time together is.

Don’t worry; you’ll be getting a lot of attention until then. In fact, you’ll be getting more attention than you ever have before. Enjoy it! This time it’s really over. I’m breaking up with you for good.



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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22 responses to “Dear Debt, This Isn’t Working for Me Anymore”

  1. Great letter Tre! I hope you kick debt’s ass!
    Tonya@Budget and the Beach recently posted…Writing a Personal Finance Blog Changed My LifeMy Profile

  2. Jessica says:

    Loved seeing a letter from you Tre! You will kick debt to the curb in no time! 🙂
    Jessica recently posted…June Review and July GoalsMy Profile

  3. Love this Tre! You go girl!!
    Kayla @ Shoeaholicnomore recently posted…Online Income: $2,130 in June 2015My Profile

  4. Team TRE All The Way! 🙂

    kay ~ the barefoot minimalist recently posted…July Something, 2014 ~ Another Blogger Is Born 🙂My Profile

  5. Doesn’t it feel good to put that letter out there, Tre? Looking forward to the day when your break-up with debt is complete : )
    Prudence Debtfree recently posted…Personal Finance and Race: An Interview with KassandraMy Profile

  6. Kirsten says:

    You tell debt, Tre! Way to go!!
    Kirsten recently posted…How To Find Legitimate Work From Home OpportunitiesMy Profile

  7. Love this! You go girl! Me too, by the way! We are full on kicking debt’s butt right now and it feels great! Planning to kick debt out of our life in a little over a year!! Best of luck to you!!
    Dee @ Color Me Frugal recently posted…More Ways to Save Money on Medical BillsMy Profile

  8. Love this!!!
    Heather @ Simply Save recently posted…Simply Save: What’s In My Bag?My Profile

  9. Ella Blue says:

    “I’m tired of you deciding where I work”
    SPOT ON! I agree fully. Debt feels like chain to all of these things I “MUST” do. Ugh… Cheers, to impending freedom from debt!
    Ella Blue recently posted…I’m Happier With LessMy Profile

  10. Kurt says:

    Nice letter, says it all! Now be sure not to ‘take debt back,’ no matter the allure! 🙂
    Kurt recently posted…Walking the Debt-Free TalkMy Profile

  11. Jeff says:

    Great letter! I am glad that you and debt are breaking up ; ) Keep it up!
    Jeff recently posted…money spending foolMy Profile

  12. Mel says:

    Good luck, Tre! It’s so worth it to fight through and get free of debt – it’s completely freeing when you realize no one owns you anymore.
    Mel recently posted…How to Avoid Blowing Your Car BudgetMy Profile

  13. The letter to debt that cool …

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