Dear Debt, We’re Better Apart

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Hey debt fighters! It’s been a while but we’re back! If you’d like to write a dear debt letter, get in touch with me. Today’s dear debt letter is from Stephen Bernard. Stephen is the founder of MoneyPeoples.com, a blog dedicated to sharing comprehensive resources for investing and starting online businesses. Enjoy!

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Dear Debt,

I really thought we had something special at first. The new car provided me with so much joy. And the college education helped me get a great job. 

When I first met you it seemed like anything was possible. 

But then things started to change. I realized that you were just using me. You never really cared about anyone, you just wanted money. I paid and paid, but you never seemed to go away. 

Our relationship got really complicated and I just couldn’t handle it anymore. 

I’m doing so much better without you. I don’t have to worry about making payments every month or being stressed about interest building up.

Without you, I feel so much lighter. I’m done with you, debt. I need to be free and clear of any obligations.

I’ll always appreciate what you’ve done for me. You were there for me when I needed you most. But now it’s time to say goodbye forever. 

I broke up with you and I’m never looking back. 

Sincerely,

Stephen

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.