Hey everyone, let’s kick off the week with a dear debt letter from Katie. She is a Case Worker in a Treatment Center for drug & alcohol abuse, and absolutely loves her work and patients. With a Bachelors Degree but in Communications, Katie wants to use her money for experiences, not acquiring things — a big change in her perception on money.

Katie is currently dealing with the heavy burden that debt can weigh on us. Please take a moment to reach out with some words of encouragement. We could all use them sometimes.

Dear Debt,
I lost everything to you… my house, my savings, foreclosure, bankruptcy.

I bought 9 couches in one year, furniture, clothes, meals, haircuts, shoes, cars…

The list is endless. My Dad died, and I went to town spending instead of grieving. I have discovered you cannot mask grief with spending or with anything for that matter. Because when all the stuff is gone, except the debt… the grief is waiting, waiting, waiting. The hole in my soul still needed filling with something healthy and healing.

I am 6 years from my first and, God willing, last bankruptcy. But I am now again $8500.00 in debt. Now, some might think (erroneously) that that amount isn’t irretrievable, but remember… it was only 6 years ago I was $50,000 in credit card debt and lost the $325,000 house I bought. Bankrupt, broke. 6 short years ago.

Have I not learned anything? Maybe I did, but clearly I have since forgotten.

But now I have found DearDebt and I am no longer in denial or alone, and I can join all you courageous folks working and living in the solution.

Goodbye Credit Cards. Good riddance. You want to derail my prosperous future. No, you cannot and you will not steal my future. You played way to big a part in my past. It is OVER.

First step…I need help, 2nd step…restore me to sanity;

3rd step:

“…with God all things are possible…”

Please God help me.




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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8 responses to “Dear Debt, You Will Not Steal My Future”

  1. Chonce says:

    Yes! Say goodbye to the debt that is nothing but a burden!

    I bet it feels so good to proclaim debt freedom into your life and start working towards it. Just wait until you get there!
    Chonce recently posted…An Honest Review: Can You Really Make Money Taking Online Surveys?My Profile

  2. Centsai says:

    This was a powerful piece! So sorry for your loss of your dad. We wish you the best on your journey to a debt free life and hope it stays that way for good!
    Centsai recently posted…Financial Wellness: One Millennial Struggles to Define ‘Wealthy’My Profile

  3. I’m sorry to hear you’ve had such a rough time. But just know that there’s light at the end of the tunnel. I’m paying off $225,000 of debt–you can do it! I had to physically lock up my credit and debit cards and switch to a cash-only envelope system for six months. It was tough and weird, but it taught me self-control.
    Mrs. Picky Pincher recently posted…What A Frugal Weekend!My Profile

  4. Janet says:

    OH my gosh, Katie, I’m so sorry. Grief can kick you in the gut and make you do all sorts of things in search of relief. I’m happy you are back in control of the situation and are on the path to saying good riddance to debt for good.

  5. derek says:

    Wow, this is amazing. Hard to read, but hopeful.

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