Debt, It’s Been Real

by Melanie

Hello debt fighting rockstars! I have a great dear debt letter for you from Ryan Bonaparte, who is part of a cool site, TheNewTutor.com. 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.

Ryan

Melanie
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9 comments

The Money Spot March 18, 2015 - 3:33 am

I have the same thoughts, Ryan! Can’t wait to break up with debt!

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Holly@ClubThrifty March 18, 2015 - 5:18 am

It’s been real…..sucky! =) I hate debt.

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Tonya@Budget and the Beach March 18, 2015 - 6:48 am

Good luck with your debt payoff Ryan!

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The Money Spot March 18, 2015 - 7:15 pm

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!

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Michelle March 20, 2015 - 7:26 pm

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!

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Prudence Debtfree March 22, 2015 - 4:14 am

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.

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Petrish @ Debt Free Martini March 22, 2015 - 4:16 pm

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.

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Ryan Bonaparte March 29, 2015 - 11:18 am

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

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Kalie March 31, 2015 - 8:03 am

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.

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