Hey everyone! Today we have a great dear debt letter from Heather. In the past you could find Heather at the mall stocking up on Coach purses, but these days you’ll find her blogging about saving money, minimalism, and simplifying life on Simply Save. She’s aggressively paying off her mortgage so that she can break up with debt for good!

Dear Debt,

We’re breaking up. I just don’t have room for you in my life anymore. You see, lately I’ve been embracing simplicity and minimalism. Anything that brings complications, negativity, or extra time and energy, has to go. And that means you. I’m making room in my life for the things that I love! I want more time and freedom to do what I want when I want. And that means getting rid of hassles, things I have to keep up with, and extra little tasks.

I know a majority of the world believes that debt brings the type of freedom I seek…to do what you want, when you want. But I don’t believe that myth anymore. Debt is a trap. Sure, it enables you to buy the things you want, but you won’t get much time to enjoy them because you have to work to pay off your debt. Debt traps you in places you may not want to be…like a job, home, or state. You don’t have the freedom to pack up and go on grand adventures and pursue passion projects. Because the bills keep coming. Debt can’t buy time.

I want my time back. All of it. I don’t want to deal with bills, balances, interest, paperwork, negotiations, maintenance and upkeep of the stuff I buy, anxiety, stress, worry, extra energy, keeping up with people I don’t even know…I don’t want all your baggage Debt!

We’ve had an off and on relationship for the past 10 years, Debt. You lure me and tempt me with your promises of fancy purses and shiny new cars, and then I remember I don’t like you and work like a madwoman to pay them off early. I don’t like the way you make me feel. And then you lure me back again…and the cycle repeats. But I’m breaking the cycle and untangling myself from your web.

I’m aggressively paying down my mortgage, slowly eliminating you over the next 7 years, or as soon as possible. That’s your only tie to me and it’s all the time we have left together.  I’m saving money and paying in full from now on Debt. No longer will you trick me into paying $235,000 for a $150,000 house, or $36,000 for a $30,000 car.

People say debt is “normal” or that some debt is “good debt”. Well then call me weird, because I’m done. I’m taking my time, energy, and money back. For good. Goodbye Debt.




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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5 responses to “Dear Debt, We’re Breaking Up”

  1. Your letter to your debt is absolutely spot on. I was in your position before and experienced what you noted in your letter. The worst thing that debt did to me was it took my time away from my family.

    To pay for debt, I had to work extra hours instead of spending those hours for my family. Luckily, I have passed that debt stage and have paid all of my debt.

    I never miss having debt in my life. I considered it as my nemesis and don’t want it to be a part of my life anymore.
    Allan @practicalsaver recently posted…How To Not Become A MillionaireMy Profile

  2. Hi Heather!

    I love this. Debt stresses me out too. I can’t handle it. Trust me, life is SO much better debt free. Keep it up!
    Vanessa @ Cash Cow Couple recently posted…PolicyGenius Review – Affordable Life Insurance With Fewer HasslesMy Profile

  3. Loved this, made me want to write one myself.
    Shelagh Brookes recently posted…Saving on the Christmas DayMy Profile

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