December 24, 2015

It’s been a wild week for Dear Debt. My story was named one of the most inspiring personal finance stories in 2015 by Yahoo! Finance. Wow! All I can say is thank you to my faithful readers, my clients, and even my haters (ha!). I’ve been soaking up the feeling of being debt-free and trying to get in the right mindset to rock 2016. I hope to post a fun year-in-review next week, but wanted to share some of my favorite pieces of text and music, for this joyous holiday season.

My Favorite Poem to Read During the Holidays

Desiderata, Β© Max Ehrmann

Go placidly amid the noise and haste, and remember what peace there may be in silence.
As far as possible without surrender be on good terms with all persons.
Speak your truth quietly and clearly; and listen to others, even the dull and ignorant; they too have their story.
Avoid loud and aggressive persons, they are vexations to the spirit.
If you compare yourself with others, you may become vain and bitter;
for always there will be greater and lesser persons than yourself.

Enjoy your achievements as well as your plans.
Keep interested in your career, however humble; it is a real possession in the changing fortunes of time.
Exercise caution in your business affairs; for the world is full of trickery.
But let this not blind you to what virtue there is; many persons strive for high ideals;
and everywhere life is full of heroism.

Be yourself.
Especially, do not feign affection.
Neither be critical about love; for in the face of all aridity and disenchantment it is as perennial as the grass.

Take kindly the counsel of the years, gracefully surrendering the things of youth.
Nurture strength of spirit to shield you in sudden misfortune. But do not distress yourself with imaginings.
Many fears are born of fatigue and loneliness. Beyond a wholesome discipline, be gentle with yourself.

You are a child of the universe, no less than the trees and the stars;
you have a right to be here.
And whether or not it is clear to you, no doubt the universe is unfolding as it should.

Therefore be at peace with God, whatever you conceive Him to be,
and whatever your labors and aspirations, in the noisy confusion of life keep peace with your soul.
With all its sham, drudgery and broken dreams, it is still a beautiful world. Be careful. Strive to be happy.

My Favorite Tune

No lie, I’m obsessed with Judy Garland and she makes me cry every time.

Lastly, while you’re stressing over the holidays, consider reading my piece on the The Best Things Money Will Never Buy.Β 

From my heart to yours, may you have a wonderful holiday season. And may all your debt free dreams come true.


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)

20 responses to “Sending You Peace, Love & Joy”

  1. Congrats on everything Melanie and have a great Christmas!
    Tonya@Budget and the Beach recently posted…Something is Better Than NothingMy Profile

  2. I read the article and I am so proud of you!! To hell with the haters….keep inspire others and enjoy the moment!
    Petrish @ Debt Free Martini recently posted…A Glimpse From My TreeMy Profile

  3. SavvyJames says:

    Great poem. Thanks for the share!
    SavvyJames recently posted…6-Week Money Challenge – A SavvyReview and Holiday GiveawayMy Profile

  4. Merry Christmas and Happy New Year Melanie!! Congratulations again on your debt free status!!! πŸ™‚
    Natalie @ Financegirl recently posted…How to Make an Extra $1000 per MonthMy Profile

  5. Michelle says:

    I am so freaking proud of you! You have worked your tail off-enjoy your success and I can’t wait to see what awaits for you in 2016.
    Michelle recently posted…20 Lessons Learned From My First Year FreelancingMy Profile

  6. Mike says:

    Great post! I hope you continue writing alot next year. We’re really enjoying your blog!

  7. Debtman says:

    Congrats! And thanks for sharing the poem!
    Debtman recently posted…What Death has Taught me about MoneyMy Profile

  8. Awesome! That is so cool that you were rewarded like that. I can’t wait to see where you go in 2016!!
    Cat@BudgetBlonde recently posted…3 Last Minute Gift Ideas that Don’t Seem Last MinuteMy Profile

  9. Doria says:

    I love the desiderata. Sky is the limit! Proud of you.

  10. Lamesha says:

    Happy new year! You totally rocked this year! So proud of you and your new fame. Thank you for always responding to my tweets and being such a good example to me. You’ve changed the way I look at money and given me more hope. Have a great 2016!

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