Dear Debt, I Will Defeat You

Hello debt fighters and dreamers! Today’s dear debt letter comes from Vercountess Hendricks, a 51-year-old still paying back student loan debt. Her goal is to be able to retire and not be saddled with student loan debt, credits cards, signature loans, car payments, and mortgage payments. Her goal is to retire within 5 to 7 years without being chased by debt.

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Dear Debt,

Today is my last day dealing with you, you have saddled my back and rode me like a wet horse and I will not tolerate it any longer. I know before I close my eyes forever you will not be something I leave my loved ones behind to deal with.

I am no longer your slave of my emotional issues with money. I look forward to saying goodbye forever and good riddance to my permanent backache.

My dear debt you will not keep me angry and insecure any longer. I will smile at your defeat of my winning in this life I live today and for the next 50 years.

To this, I bid you a farewell in the near future,

Vercountess

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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