A letter to my debt from the future

by Melanie

Note: This letter is inspired by my friend Tonya’s post, A letter to my future self.  I thought I’d write a Dear Debt letter from the future! For my Dear Debt Letters project, I am also looking for people who have become debt free to write about their relationship with debt. I want to know what it’s really like on the other side!

Dear Debt,

I thought you were the end of me, but it was really just the beginning.  It’s been 5 years since I left and things have changed so much. My money is mine to keep. Without you, I’ve grown my net-worth, emergency fund and retirement. I work freelance on a variety of creative projects. I travel several times a year and volunteer for causes I’m passionate about.  My life is in focus and I am in the driver’s seat. I can make decisions without thinking about you. I have the freedom to relentlessly pursue my dreams and create the best-version-of-myself.

I was never happy with you, you were a terrible lover and an even worse friend. You distorted my vision of who I am, my self-worth and what I could become. I’m glad I  kicked your ass to the curb when I did.  I now see how courageous I was to face you, in light of all the obstacles.

I heard you’ve been around the block, spreading lies and spewing bullshit, selling women your idea of a better life.  I can see through you; you’re just a desperate leech looking for attention.

I’ve hated you for so long and resented everything about you, but I thank you for making me stronger. Thank you for showing me what I don’t want. I’ve moved on and I’ve forgiven you. And I’m finally free.

Sincerely,
M

Melanie
Latest posts by Melanie (see all)

12 comments

Budget and the Beach October 6, 2013 - 10:51 pm

Now burn that letter and be free! 🙂 Debt is like that think that still lurks around the corner trying to entice you back into that world. Even though I’m debt free I still feel the pull, telling me how fabulous I can be with this, that, and the other thing. Really sneaky little bastard.

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deardebt October 7, 2013 - 2:45 am

Debt is a jerk. Don’t get sucked back into it! Lies, all lies I tell ya. Thanks for the inspiration 🙂 It was good to think about being debt free and knowing I will get there.

Reply
Cedric October 7, 2013 - 1:53 am

I love this article! I am working on getting rid or “breaking up” with debt as I type this. Soon I will write my letter to my soon to be ex talking about how the grass is greener on the other side.

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deardebt October 7, 2013 - 2:46 am

Glad you enjoyed, Cedric. Do you want to write a Dear Debt letter on my blog? I’d love to hear your perspective 🙂

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Girl Meets Debt October 7, 2013 - 4:35 am

The countdown is on when I can finally say goodbye to my debt as well. I can’t wait until I can do whatever I truly want without having to worry about debt!

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deardebt October 7, 2013 - 5:58 am

Soon our time will come, Ms. GMD! And I can’t wait!

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Pauline October 7, 2013 - 12:17 pm

haha nice one. Hope you break up soon enough.

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anna October 7, 2013 - 3:19 pm

Love this letter, and the clear vision of your goals! I can’t wait to read about the day when you say to debt “Peace!” and have it go on its merry way. 🙂

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deardebt October 7, 2013 - 9:12 pm

I can’t wait either. It will be a glorious day.

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Eva @ Girl Counting Pennies October 7, 2013 - 6:50 pm

It’s interesting how different people feel about their debt. I personally don’t hate my debt at all. Yes, I did get into debt to buy things and I have been paying extortionate interest rates over the years, but some of the things I’d purchased with “debt” I have benefited from. I wholeheartedly agree with the following: “Thank you for making me stronger.” My relationship with debt has been a bit complicated, but I don’t think I could ever hate it (or myself for allowing this to happen). It’s been a lesson, and I’ve definitely learned mine, and for this I am very grateful. 😛

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deardebt October 7, 2013 - 9:13 pm

I love hearing your perspective! I totally think you should write a Dear Debt letter 🙂 That’s why I love this project so much, is that everyone has a story and a different relationship to their debt. I’d be honored if you were a part of it!

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Mackenzie October 8, 2013 - 12:58 am

Love this letter! I can’t wait till I can tell my debt what I think of it, once it’s gone!!

Reply

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