Dear Debt, We’re Through

by Melanie September 29, 2015

Today’s dear debt letter, as part of the #DitchYourDebt challenge, comes from Kim.

Dear Debt,

We are through. I am ready, willing and able to move on. Initially it wasn’t so bad having you around, but you’ve lingered and over stayed your welcome. Over the years you have ignored my subtle clues.

The clues that were barely audible because my voice wasn’t strong enough or loud enough to break free. I can shout now.

WE ARE THROUGH!!!

I will not be passing you along to others. I will share our story so that you end up exactly where you belong-alone. I once heard someone say that “just beyond crazy is fabulous”. Debt you were my crazy.

You were the vortex that I found myself in when I was bored, lonely, uninspired, lost or overwhelmed. You made me believe that you could help me escape my problems but the truth is you only added to them and then proceeded to become the biggest problem of all. I’m moving on to fabulous. From now on I will use my money as a resource to enrich my life not to bandage the hurt.

Good bye debt, I am slamming the door on our toxic relationship and I will not look back. We are through.

Kim

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Melanie

Melanie Lockert is the founder of the blog and author of the book, Dear Debt. Through her blog, she chronicled her journey out of $81,000 in student loan debt. She is also the co-founder of the Lola Retreat, which helps bold women face their fears, own their dreams and figure out a plan to be in control of their finances. She is passionate about empowering women, helping others get out of debt, and focuses on the intersection of debt and mental health. Every September she organizes a Suicide Prevention Awareness Blog Tour, to help share resources for those struggling with debt and suicide. In addition to her love of personal finance, art and music, she is also a karaoke master and a cat mom to Miles and Thelonious.

4 comments

Seraphine @ Gathering September 29, 2015 - 6:04 am

Very inspiring! Debt need not control your life, though it is certainly a daunting task to overcome. Facing debt head on and deciding to tackle it, even if that means small steps at a time, is an admirable, and, as we see here, worthwhile challenge! We believe that setting smart savings goals is a great asset to continuing to manage your finances post debt, too.

Janet Fazio September 29, 2015 - 10:56 am

Way to go, Kim!

Femme Frugality September 30, 2015 - 6:07 am

Go Kim! I love how these letters really highlight the underlying emotions that cause debt. Sometimes we focus so much on the numbers that we forget the behaviors behind the debt is the number one thing that needs to be addressed.

Melanie October 5, 2015 - 1:20 pm

Yes! The emotional aspect is SO important to getting out of debt.

Dear Debt, We’re Through

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