You’re not welcome

by Melanie September 20, 2013

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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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.

1 comment

Budget and the Beach September 23, 2013 - 1:50 pm

Wow that’s intense! Goes to show you how powerful that feeling can be. 🙁

You’re not welcome

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