Dear Debt Letter from Little Miss Money

I hope everyone is enjoying the weekend! We have another super rad Dear Debt Letter from Little Miss Money who writes at The Pursuit of Riches. These letters are so inspiring to me and really help me stay motivated. Special thanks to everyone who has participated in the project. Read on and show Little Miss Money some love.

Dear Debt,

You know I’m not a fan of the face-to-face confrontation. I can write the manual on how that would go: I’ll say “I’ve been thinking…”, and you’ll look up from whatever it is you’re doing in that way that makes me regret opening my mouth to begin with. I’d bravely continue, my voice a little shakier: “I’ve been thinking that… we might need a break. From us, I mean.” You’ll move closer on the couch, calling me ‘baby’. You’ll come up with excuses and promises, while stroking my hair and assuring me in that soothing voice that everything will be alright and that “what are you talking about? It’s you and me against the world!”  you love so much. I’ll gently yet firmly push you away, determined to follow through this time. You’ll get annoyed and sigh a “Fine, what do you need a break for, anyway?”, and I’ll start rambling this incoherent tale about independence and finding my own way. “This is not working for me anymore,” I’ll state, “I don’t see myself growing old with you. I’m sorry.” You’ll start laughing that sarcastic snort of yours, asking me what I would do without you. Painting pictures of where I’d be if it hadn’t been for you, pointing fingers to all the things around me that you got me, questioning how exactly I think I’d manage without you.  Eventually I won’t even want to bother arguing anymore, and you’ll go back to whatever it is you were doing. And I’ll hate myself for letting you.

We’ve been through that a million times before.

So I’m doing this the only way I know how, no room for conversation left: I am leaving you. My bags are packed, and I’ll be long gone when you read this.

I know you’ll be pissed. But before you go slamming doors and throwing plates across the room, consider this for a moment: Where were we going anyway? Sure, things were exciting and adventurous in the beginning. You were a source of endless possibility, answers and solutions. Your charm was addictive, I must admit. But that excitement has long worn off, and there’s no denying it. I don’t even know how we lasted this long. It’s not like this would have ended on a sunny beach with me in a white gown and you putting a ring around my finger, now is it?

You think that you saved me, that you were there at the times where I needed you the most. And maybe that is true, but it wasn’t fair to lure me into the prison this relationship became. So I’m breaking free. I’m done. I finally realize that I deserve so much better. I’m getting as far away from you as humanly possible. And yes, my friends Budget and  Frugal did help me pack in case you are wondering. I’ll be staying with them for a while, until I’m strong enough to stand on my own two feet again. I know it won’t be easy to erase your memory, but know that that is exactly what I’ll be doing from this day on.

Until there is nothing left of you.

D.

Author Bio: Little Miss Money is a pseudonym that I found fitting to start this journey. I’m sure, one day, I’ll give that up. I’m a designer with a passion for the written word. I stopped storing shoes in my oven and use it for just cooking now. I sold the shoes on Ebay. I write freelance, I run a (growing) design blog and I organize events. When I’m not doing all that, I go to fancy parties with free hors d’oeuvres. And I’m dating. In New York City. I need a blog to write about just that. You can follow me on Twitter @GingeronMission, or start walking with me through my 365 days projects on The Pursuit of Riches.

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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