Dear Debt, I Deserve Better

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

Dear Debt,

F$*& YOU very much!!!

I cannot decide exactly when we met.  I believe it happened even before you were “mine”.  I remember hearing, “it’s ok, just put it on the card” at such a young age that I believed you were a reliable friend.  I learned that you were the friend that was a natural part of life.  Therefore, we would always be together, and yet you would always be one step ahead.

I made the mistake early on of believing that I could keep up with you. I always thought that I would be able to pay your needs with my next paycheck, my next raise, my next job.  So we’d go to the mall and pay for the outfit for the next interview, pay for the furniture for the next move to a new state, and pay for my basic necessities while I looked for a job. Then you laughed at me when I couldn’t pay you back.

I was dependent on you like a cruel joke.  I always believed that we were in it together as I worked toward the next seminar, the next school, the next trip, to forward my life or my education, only to see that you left me desperate and in need to pay you off once again.

You were the reason why I got to do so many things and yet at the same time you have kept me from doing other things.  It’s almost abusive.  I know you are going to hurt me again and yet I continue to come back.

Well, I’M DONE!!!!

I am NO LONGER going to abuse myself this way.  I DESERVE better and I’m smarter than this.  I can stand on my own two feet and I DON’T NEED YOU!!

GOODBYE DEBT, I’m moving on!

R.

• Author
• Recent Posts

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