March 18, 2015

Hello debt fighting rockstars! I have a great dear debt letter for you from Ryan Bonaparte, who is part of a cool site, Check out their resources and his awesome breakup letter to debt. If you want to write a breakup letter to debt, contact me.

Dear Debt,

We’ve known each other for 10 years, and we’ve been pretty serious for the last five. It’s been fun — we’ve gone to school together, rented our first apartment (which was pretty nice by the way), and picked up a few gadgets and a car or two along the way.

Unfortunately, I don’t think we can last. I’ve given up more time than I can count trying to work with you, to pay you off, and yet you’re still here. We’ve tried to work through our problems, and when I lost my job, you took a little break. But you were right back at it when I got my new job. And don’t get me started on that trip to the hospital a few years back.

Really it’s kind of a pain to keep you around. You take and take, but it’s been a long time since you’ve given me anything in return.

One day, I know you’ll be gone, and I’ll be able to live my life and enjoy the freedoms I want to experience. One day, I’ll remember you as a distant memory with the ups and downs we had. Mostly downs, really.

We still have a ways to go, more years than I’d like to admit. But piece by piece, I’m untangling the way you’ve woven yourself into my mind, heart, and soul. We’ve already started to distance ourselves from each other, especially this year when I saved money and worked hard as a tutor to let go of what little control you still had over my credit cards. That was an amazing feeling, and I can’t wait to push you out of other parts of my life. Soon, you won’t be riding with me every time I go for a drive.

I know we’ll probably run into each other every now and then. You might be there for my wedding, when I buy my first home, and maybe my next car or two. But really it’s for the best that we don’t make it a habit. You go your way, and I’ll go mine.

Can’t promise you I won’t warn all my friends to stay away from you, though. Just saying.

It’s been real.



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

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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9 responses to “Debt, It’s Been Real”

  1. I have the same thoughts, Ryan! Can’t wait to break up with debt!
    The Money Spot recently posted…The American Living Wage Debate and How My Trip To Australia Changed My StanceMy Profile

  2. It’s been real…..sucky! =) I hate debt.
    Holly@ClubThrifty recently posted…Here’s What Happens When You Get Ripped Off On Etsy.comMy Profile

  3. Good luck with your debt payoff Ryan!
    Tonya@Budget and the Beach recently posted…Fortunate, or Spoiled?My Profile

  4. These letter is REAL! My favorite part of this post is “it’s for the best that we don’t make it a habit.” You can do this!
    The Money Spot recently posted…The American Living Wage Debate and How My Trip To Australia Changed My StanceMy Profile

  5. Michelle says:

    My favorite part of this post is the not making a habit part…like the slow fade in a relationship. Until one day-you just aren’t there!
    Michelle recently posted…Apple is A Money Sucking VampireMy Profile

  6. Ryan, debt is a clinger – hard to shake. I hope that you can manage NOT to “run into each other” in the future – except maybe for a house some day. Cars and wedding? I hope you’ll be able to find a way without debt for those. All the best in finalizing your break-up.
    Prudence Debtfree recently posted…Debt-Reduction Website: fruclassity.comMy Profile

  7. Good luck with your journey to becoming debt free. Your right after getting debt out of your life you’ll be able to live the life you have always wanted to live.
    Petrish @ Debt Free Martini recently posted…Women’s Bad Relationship with MoneyMy Profile

  8. Thank you so much everyone for all of your well wishes and encouragement. Debt and I are still together, unfortunately, but not for long!

  9. Kalie says:

    Congrats on breaking up with debt. I agree that you don’t need debt for cars. Drive beaters and keep a savings account car fund until you can afford a nicer, but used ride. The house I can understand, but pay it off early. That’s what we’re working on and hope to be always debt-free after that.
    Kalie recently posted…The Treasure MeasureMy Profile

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