November 30, 2016

Hey everyone! I’m so happy to introduce you to Jennifer, who’s a new blogger and share her dear debt letter with you all. Say hello! Jennifer Dane is a personal finance blogger at Debt Free Utopia and has a passion for inspiring and educating others through blogging about her journey to overcoming $78,000 worth of debt. Her philosophy is that being debt free will lead to being a fulfilled person and community member.


Dear Debt,

We are not friends. You came into my life like a slimy, smug boyfriend in my teenage years. I did not know the damage you caused until I couldn’t pursue my passions. My parents never warned me about the dangers of you, and after they had known I was with you, they never even said a word.

You have followed me with every move I have made and have grown more unmanageable every year. We’ve even yo-yo money dieted with no avail, and I think it is the time we part ways. You are constantly on my mind, and I want to be able to live my life without your restrictions.

When you are in my life, I cannot fulfill my dreams. So, I am done. I know it will take me years to move on, and it will be a challenge, but it is over. I want you to be completely out of my life by the end of 2022 (hopefully sooner). Farewell, debt. You are not welcome here anymore.

-J. Dane



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.

Latest posts by Melanie (see all)

3 responses to “Farewell, debt”

  1. I just came across this site and I LOVE these letters, Melanie!

    Jennifer, I am right there with you! I recently started my blog about breaking up with debt as well and realized just how stressed I have been about it for so many years. It’s ridiculous that I didn’t do something drastic about it sooner, but I’m on the right track now!

  2. Good luck, Jennifer! I broke up with debt too, and you’re right – it does take years. My final freedom from debt will probably be in 2019 (but I started this break up 4.5 years ago). Find ways to enjoy the journey and tick to your intention. 2022 will come sooner than you think : )
    Fruclassity (Ruth) recently posted…Thinking Bigger: Achieve Your DreamMy Profile

  3. ZJ Thorne says:

    Good luck to the author! Slimy boyfriend’s effects can take years of effort to undo.
    ZJ Thorne recently posted…Net Worth Week 40 – Birthday EditionMy Profile

Leave a Reply

Your email address will not be published. Required fields are marked *

CommentLuv badge