September 12, 2013

This is a dear debt letter from Michelle at The Shop My Closet Project! She is my first dear debt entry and I am so excited to have her! If you’d like to write a dear debt letter, get in touch.

Dear Debt,

I quit you. Your pull was so magnetic. I just couldn’t stay away. You enticed me, called to me, you seduced me with your promises of the good life. I loved you for so long, but you weren’t good for me. I should of known that your promises were gold-card covered lies. I believed you when you said I should never leave home without you. When I did it felt like I missed out on everything. The sky was the limit and the experiences I had with you were priceless. Then, I realized that you took more than you gave. I gave you blood, sweat, and tears. It wasn’t a fair trade. I lost sleep over you, but you never lost sleep over me. Everything you gave me came with a price. I’m just not willing to pay it anymore. During the good times I didn’t think about you too much. You seemed so supportive. During the bad times I thought about you everyday. You took over everything until there wasn’t enough room for anything or anyone else. You isolated me and I became so lonely, tired, and afraid. When would you let me go? I decided to break free. I tried to quit you cold turkey-it didn’t work. Slowly but surely I started letting you go. You kept writing me, emailing me, and calling me. You hated to see me leave. I don’t miss you.

I’m done.



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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17 responses to “I quit you”

  1. LOVE this, Michelle!!!!! Debt is a hard taskmaster, isn’t it. Can’t wait till we say “see ya” to ours. 🙂
    Laurie @thefrugalfarmer recently posted…The Frugal Farmer’s Getting Married!My Profile

  2. anna says:

    GREAT post, Michelle! Agreed about losing sleep not being reciprocated – debt is such a d-bag.
    anna recently posted…How I Got My Haggle On (kind of) and Some Shopping Teachable MomentsMy Profile

  3. That’s right! Kick him to the’re much better than that lady!
    Budget and the Beach recently posted…The Four Agreements & Personal FinanceMy Profile

  4. What a great first Dear Debt letter Michelle! I was nodding my head in agreement the entire time I was reading this!
    Girl Meets Debt recently posted…If “Plan A” Didn’t Work…My Profile

  5. Michelle says:

    I am so done! Sadly, it will take me several years to get rid of it. But, that’s ok. I’m sure that after I pay off the debt the trauma of dealing with it will keep me from getting into debt again.

  6. Very well said. I am glad you are breaking up with debt. It is a much better relationship with debt freedom!
    Free Money Minute recently posted…Graduate Debt FreeMy Profile

  7. Michelle says:

    I can’t wait to meet debt freedom. It seems so far away…

  8. […] to:  to read the rest! Also, check out my post on It Started WIth Lip Gloss. I talk about time. Here […]

  9. What a great letter to your debt, Michelle!
    Eva @ Girl Counting Pennies recently posted…Declutter and Move on a BudgetMy Profile

  10. […] Michelle over at the Shop-My-Closet Project had a great guest post on Dear Debt and shared her Dear John letter to her debt.  Huge inspiration […]

  11. femmefrugality says:

    I love the personification! So proud of you for kicking it to the curb! Keep going…you’ll get there!
    femmefrugality recently posted…Financially Savvy Saturdays Third EditionMy Profile

  12. Michelle says:

    Thanks for the kind words. I can’t wait for it to be done. Why do I have to do everything the hard way?

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