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dear debt letter

dear debt letter

Dear Debt Letter: Mackenzie from the Random Path

by Melanie
written by Melanie

This letter is from Mackenzie at The Random Path, providing you with a bit of class and sass! If you’d like to be a part of the Dear Debt letter project, get in touch!  Enjoy this awesome letter!

Dear Debt,

It’s me, Mackenzie. Yes, I know you’re busy and have a lot on your plate. Between government shutdowns and student loan debacles, you certainly have your hands full.

But I’m here to tell you that our relationship is over. You are incessant in your demands, and unforgiving when it comes to my heart. You made me believe that you could “cure what ails”, but it was all a lie.

No amount of money, no amount of “Jonesing” is worth having you around. What I thought was happiness that you provided, was really just misery. And guess what? I don’t need your company.

Your statements, your percentages, your unwillingness to be upfront with what you truly stand for…Despicable is what you really are. I am tired of being judged on past actions, past affiliations with you, dear debt. We met when I was a young woman in college, so naïve, so gullible.

But I’m not a young girl anymore. I am a wise woman, a woman who knows better than to keep associating with you. So I’m going. I’m treading water and I am emerging from the dark water of you, debt.

Goodbye dear debt. Don’t let the door hit ya, on the way out.

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dear debt letter

We’re just no good for each other

by Melanie
written by Melanie

Dear Debt,

This is getting old. Real old.  I’ve turned into the old nag and you the grouchy old man.  Isn’t this exactly what we didn’t want? We use to be friends, but let’s be real– now we’re just roommates.

I remember the days when you used to excite me. I wouldn’t dare think of being with anyone else. Our love was “forever”. But what is forever anyway?

Forever is a commitment you make, a choice. But you haven’t been in it to win it for years. And I’m done. I wish I could say I was angry, because then at least I’d feel something, but quite frankly I’m just bored to tears.

I’m sick of talking about the same things over and over again. That same joke you always tell sucks. It’s still not funny. I realize we have nothing to talk about these days because you don’t DO anything. The key to success in any relationship is growing together and you’ve shown me you just aren’t available. Your interest compounds in some ways, but I’m left alone feeling like I just got robbed. What about me?

I hate to say it but your friends are just as bad.  They think I don’t know what you are up to when I am not looking.

Shenanigans.

Don’t try to pull that $hit on me. You should know better. But you’re a cowardly man-child who wouldn’t know a good woman if she slapped you in the face. So consider yourself warned. One day you’ll wake up and I’ll be gone.

For good.

M

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dear debt letter

Hey Debt – Wait Until You Meet this Girl!

by Melanie
written by Melanie

Hello Friends. This Dear Debt Letter is from my blogging buddy and debt destroying partner in crime, Girl Meets Debt. Enjoy!

Dear Debt,

I honestly don’t know what my adult life would be like without you! Pathetic eh?

You and I met when I was just a young 18-year-old college student and together with my massive student loan we were the three inseparable musketeers! Shopping trips, expensive blonde salon highlights, Girls Night Out, manis/pedis, dinner, drinks, dancing, were just a few examples of the fun we had. Oh ya, somewhere in there I also graduated with 2 Bachelor’s Degrees before the age of 25. Two expensive pieces of paper worth a total of $45,000! The fun continued even after I graduated. The dependency on each other was becoming obvious. You were becoming “normal.”

Now I am a 30-year-old woman, recently engaged to a personal finance rock star (ohhhhh the irony!) that has been serious about “un-friending” you for the last 10 months and I think I am finally starting to see some hope. I just broke up with the loser $12,000 consumer leech, the same one that’s been following me around since I was 18 and I couldn’t feel more relieved. I’m still tackling my “it’s complicated” $45,000 student loan relationship with you but I’m no longer afraid. In fact, I’m going to make sure I do everything I can to break your interest-greedy heart.

Debt, you would think that I despise you, but guess what? I actually want to thank you for helping make me to be the strong financially empowered woman I am today.

Breaking up is hard to do so I thought I would make it interesting and blog about it. 😉

Sweetheart, you won’t know what hit you!

xoxo,

GMD

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dear debt letter

It’s not you, it’s me by Erin @ Red Debted Stepchild

by Melanie
written by Melanie

This Dear Debt letter is from Erin at Red Debted Stepchild. I’ve had the pleasure of meeting her in person, and she’s hilarious and awesome!  She’s also a finalist for the Plutus Awards’ Most Humorous Personal Finance blog! Congrats, girl.

Dear Debt,

It’s not you, it’s me. No, like seriously. After all, I ran you up. I used you and used you and now it’s my turn to feel the pain.

We had a great run — shopping and eating out all the time, throwing caution and delayed gratification to the wind. But what we have isn’t healthy. I just don’t feel the same way about you anymore.

You didn’t do anything wrong. I made choices that put us in a relationship that makes me sick to my stomach. I used you and you let me do it. Even now, I think you were okay, maybe even pleased, with how many times I used you for my own gain. But I can’t do this anymore. Frankly, we both deserve better. And as much as it pains me to say this, there is someone else.

I know, I know — I led you on just to fall for something better. You probably thought we’d be together forever. That I would continue to swipe, borrow, and pay interest until we were old and gray. But I met someone. His name is Financial Independence, and he’s better for me. He wants me to be happy and free. It’s just a healthier situation all around. And not to get any digs in, but he is way more attractive than you.

So now, I take the slow and painful steps to erase you from my life. I know it sounds harsh, but know that I will always remember you. I will remember the good times we had and I will remember the pain I now have to endure as a consequence of all that “fun”. Please ignore the mean comments I make about you on my blog, Twitter, and Facebook. I’m just hurting.

I really hope you don’t find anyone else, for their sake. You were born to be a bachelor.

Sincerely,

Erin

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dear debt letter

You’re not welcome

by Melanie
written by Melanie
This dear debt letter is from Patrick at 6 Birds Financial.  As I mentioned earlier this week, sometimes the debt payoff process isn’t very pretty and I think this letter does a very good job at illustrating that. Thank you Patrick for your raw, emotive letter. If you’d like to write a dear debt letter, get in touch!Dear Debt,

I’m about to cry.

I’m about to cry the crazy type of tears not because I’m sad but because I’m so angry and frustrated.

I’m about to cry because some days I just don’t know what else to do.  I feel like everything has been done to divorce you, yet you’re still here.  The worst part is knowing I invited you through the door without even realizing it.   You sort of put a foot in as I was trying to close it, the rushed in, ransacked my home, slapped me around while chained to a chair, then ate all my food.

You’re still here.

But, I’m done crying now.  Can’t suffer that shame forever.

You’re no longer welcome.  I found a case hardened steel file in my brain, and I’m sawing back and forth on that chain right now while you’re getting fat and not paying attention.  It’s taking forever, and it feels like there is no hope or progress.  Chains are like that — you’re either in them or not in them, and halfway doesn’t count for anything.

When I finish sawing, my wrists will be bloody and I’ll be severely fatigued — perhaps near death.

But, I will break out because something inside me can’t accept this.  Jump up.  I’ll slap the shit out of you when I’m done. I will grab you by the hair and drag you down the hall to shove you out the same way you came in.  Like I said, you’re no longer welcome.

I live here – not you.
Patrick
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dear debt letter

I quit you

by Melanie
written by Melanie

This is a dear debt letter from Michelle at The Shop My Closet Project! She is my first dear debt entry and I am so excited to have her! If you’d like to write a dear debt letter, get in touch.

Dear Debt,

I quit you. Your pull was so magnetic. I just couldn’t stay away. You enticed me, called to me, you seduced me with your promises of the good life. I loved you for so long, but you weren’t good for me. I should of known that your promises were gold-card covered lies. I believed you when you said I should never leave home without you. When I did it felt like I missed out on everything. The sky was the limit and the experiences I had with you were priceless. Then, I realized that you took more than you gave. I gave you blood, sweat, and tears. It wasn’t a fair trade. I lost sleep over you, but you never lost sleep over me. Everything you gave me came with a price. I’m just not willing to pay it anymore. During the good times I didn’t think about you too much. You seemed so supportive. During the bad times I thought about you everyday. You took over everything until there wasn’t enough room for anything or anyone else. You isolated me and I became so lonely, tired, and afraid. When would you let me go? I decided to break free. I tried to quit you cold turkey-it didn’t work. Slowly but surely I started letting you go. You kept writing me, emailing me, and calling me. You hated to see me leave. I don’t miss you.

I’m done.

Michelle

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