April 27, 2016

Hey Everyone! We have a fiery new dear debt letter from Lindsay. Lindsay has always been the outdoorsy type, which is why she got two degrees in wildlife biology and conservation. After graduating, however, she was crushed when the only job she could get was as a lab animal caretaker. As her finances started tanking, she decided to learn more about how to manage her money. Eventually, she started a blog to document her journey, and then began freelance writing to start saving and work her way out of debt. She hopes to one day find her way back into the wildlife field, but will continue writing as long as she can. Check out her blog at NotoriousDebt.com.

Dear Debt,

F@<% off. It’s time for you to go.

We used to have a great relationship. You convinced me that with your help, I could do anything I wanted. Because of you, I moved across the country just two weeks after graduating from high school to start my adult life and get two college degrees. Because of you, I bought a house and a truck to go with it. Because of you, I paid for a surgery when my husband got sick, and to fix my house when it needed major repairs.

But the truth is I didn’t need you for any of this.

I could have saved the money I made while working through high school and college. I could have worked harder to get more scholarships. I could have saved up to buy a cheaper vehicle outright. I could have saved up money in an emergency fund and a health savings account so I could have paid for the doctor’s bills and the home repair bills in cash. But instead of realizing this, I became more dependent on you.

I wanted more things, but I didn’t know how to save up for them. Instead, I relied on you more and more when things went south. Over time, much like my little cousin Kelly*, you began barging more and more into every aspect my life. I couldn’t just go out with friends; you wanted to come too. I’ve never been on a real vacation with my husband, because I had to stay and work to take care of you instead.

No more. It’s over. You’re not the savior I once thought you were.

Instead, I’m going to save up for myself, like I should have been doing from the start.

I’m working on saving up an emergency fund of three month’s living expenses, so I don’t need to rely on you when shit hits the fan. I’m saving up for my husband’s education. I’m saving up to go on a real vacation this summer. I’m saving up to buy a car.

Truth be told, I’ll still need you at some point in the future. I don’t know if I’ll be able to save enough to buy a car outright by the time I need one. I’m saving up for a down payment on a house, but I won’t be able to buy it outright.

But you will no longer be my crutch. I’m standing on my own two feet now.
So get ready – because after I’ve saved up my emergency fund, I’m coming at you full-force.

Peace out,


P.S., Eat a d!<%.

*Name changed to protect identity and prevent awkward family reunions


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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6 responses to “Dear Debt, F@<% Off”

  1. Mortimer says:

    Love the spirit, Lindsay! Definitely going to check out your blog. You’ve got the right attitude. You’ll knock this debt out!
    Mortimer recently posted…The Frugal Magic of Mother’s MilkMy Profile

  2. Kat Skull says:

    Haha, I love the “eat a d!<%" tagline. Congrats!
    Kat Skull recently posted…Greetings From TexasMy Profile

  3. Jayme says:

    Awesome attitude! I don’t think debt stands a chance against you!
    Once you get started crushing debt full time, you are going to love the way it feels. Kinda like smashing water balloons! Best of luck!

  4. ZJ Thorne says:

    This is everything! Get it done!
    ZJ Thorne recently posted…Net Worth Week 14My Profile

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