Dear Debt, This is Goodbye

Today’s dear debt letter, as part of the #DitchYourDebt challenge, comes from Stephanie. Stephanie is a mentor to mothers who are ready to shift their motherhood into a place of magic and bliss. She has been struggling to get rid of her debt for good, and is finally taking the leap to the next level of transformation to be debt free! As she continues to free up her head, heart and life of her debt the simplicity and peace that will follow will have a ripple effect!

Dear Debt,

You have been with me for over 10 years. I remember when we first connected. I felt so excited about being able to have it all. The bummer is, you have it all. I misunderstood our relationship. I thought it would be a giving, fulfilling adventure of never-ending excitement. In reality it is me giving you over $500 a month and constantly transferring to different cards, just to stay in front of interest and fees.

Well, I am finished with you. I am no longer interested in your fake security. I am no longer interested in your handouts. I will save my way to adventure and fulfillment and find true peace! I am no longer willing to hand you my energy, my worth, and my life. I am leaving the past in the past and saying hello to the beautiful present.

I am free and ready to soar far from the chains of my past, like honeymoon fun from 5 years ago, night clubs that I went to before I had children, and interest and charges from impulse purchases. I am no longer that girl. I now know the joy in saving for whatever it is I truly want. I know the universe provides me with all that I need in each moment. So this is goodbye. Thank you for giving me an opportunity to fully know what I don’t want, so that I can begin the adventure with savings and investments, two things I am ready to marry!

Sincerely,

Stephanie

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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.

Latest posts by Melanie (see all)

• Talking About Money and Mental Health - September 12, 2022
• Dear Debt, We’re Better Apart - June 27, 2022
• Announcing The Mental Health and Wealth Summit - May 4, 2021