Dear Debt, You Lied

Hey everyone, we have a great new Dear Debt letter from Pamela. Pamela is a personal finance blogger that likes to help other millennials eliminate their debts. Her professional and educational background is in accounting/finance, but she has not always been good with her own money. After some learning some life lessons, she and her husband embarked on a journey to pay off $120k of debt in 2.5 years. They now live debt free and are building their wealth while she blogs at her site, MyMoneyCounts.org. This witty letter comes from her experience with debt.

Dear Debt,

It’s been a roller coaster ride with you, but it’s time we part ways. I don’t know how much more uncertainty I can take from you. You said you would always be there for me. I thought you had my back, but you lied to me.

There were so many secrets and lies you kept from me. How can a relationship grow that is built on lies? Like the time you said you had my back and convinced me to buy my living room furniture on credit. You told me we could afford it. You said we would be OK, so I listened. Or when you told me that you would take care of me once I was done with school and encouraged me to spend the little I had and more without giving a second thought. But I am done with school now and your words were just empty promises. Where is the help? Where were you when I needed you, debt?

Why am I even surprised? You were never satisfied with what I could give you. You always wanted more and more from me. The more I got for you, the more you wanted. I felt like I could never do enough for you. Like the time I got us the big screen TV and game system, but that wasn’t enough for you. You wanted the new laptop and cell phone too.

Was it ever enough for you? Did I ever make you happy? You used to make me happy. I used to get so excited to see you. We had some of the greatest times together, you and I. Like the time we went on the road trip together or bought all those cool things together. You use to whisper sweet nothings in my ear. You had me wrapped around your finger. Then the trips, gifts and promises stopped coming. Then you stopped coming around. Now, when I look at you, I can’t trust you anymore. You deceived me… so I am moving on.

I will just come right out and say it, I met someone else. His name is cash and he is so good to me. He never lies to me or deceives me. He always has my back and is satisfied with what I can give him. We are building new memories and going on our own adventures together, cash and I.

I want to say thank you though, because if it wasn’t for you, I would never know how great a healthy relationship could be. Cash is the love of my life, and I have you to thank for it.

So long, and have a good life. Please change your ways so you don’t mess up the next girl’s life. Oh and don’t forget to lose my number.

Your Ex

Pamela

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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