Dear Debt

It’s been a while since we’ve talked. Five years ago I walked out on you. Five years ago I decided to end it with you. And these five awesome years were filled with joy and happiness. In all honesty, I don’t miss you one bit.

We met when I started going to college. A sweetheart counselor thought she was doing me a favor by introducing me to you. See, I was new to this country, and didn’t know anybody, so it felt nice to have somebody to rely on. Too bad I never finished college and had to go back to work, but you stuck with me even after I dropped out.


Heck, we had some good times together

My life felt easier when you were right next to me. You took me places, you bought me stuff. I remember going on a trip to Europe with you, and you made it extra sweet for me. You paid for hotel, my meals and even an awesome camera I just had to have before heading there. I still have pictures, dear Debt.

I remember you buying me a new car. You felt I deserved something better to drive because my old car was not as shiny as new ones, and didn’t have fancy options. At first I resisted but you talked me into it by saying how hard I work and I deserve to enjoy finer things in life. So, you bought me a new set of wheels and after parking my old car in a garage (hurt feelings!) I started driving in style, just like all of my friends.


All good things end

What started as a fun flirt on the side soon turned into a nightmare of a relationship. Before I knew it, you basically moved in with me. Good memories of trips together were long gone, but you were right next to me every day. Every night you kept me awake as I crunched the numbers in my head trying to figure out how I can make it work. You forced me to work on weekends to bring more money home to pay for you. All of my money was going towards you, but you kept demanding more and more. Your collecting friends started calling me at night asking about money. You made my food taste bland and every day seemed joyless because you sucked the life out of me. You have no idea how bad you make people feel. Heck, some people commit suicide because you got a hold of them.


This is when I said I’ve had enough

Breaking up with you was hard but truly worth it, dear Debt. I’ve kicked you out of my house, sold your presents and got rid of your shiny new car. It took me months to clean up your mess! But my old car was happy to see me and in all honesty I don’t miss any of your presents. I sleep well at night and my new friends Budget, Savings, and Investing take good care of me. We spend a lot of time together and I haven’t thought of you for a while now. Because of them, things are looking up for me! All because I’ve made a decision to end it with you.

I’m glad you’re gone, dear Debt. Don’t ever come back. Forget my number and forget my house. You’re dead to me.


Financial Underdog


I hope you enjoy my column. Please leave a comment on this (even just to tell me how wrong I am), by visiting the full version of this story at http://moneyramblings.com/dear-debt/

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About the Author

As somebody who grew up in a poor family, I lacked common knowledge about money from day one. If you can think of one dumb thing to do with your money - I did it. No paid college education for me. No inheritance, no financial help from my parents.

I may be a financial underdog, but through building good personal finance habits and educating myself about how money works, I hope one day to achieve financial independence for myself and my family.

Yes, I do believe an average person can enjoy a wealthy lifestyle as a result of smart decisions. Given enough time and proper education, anybody can change their financial future for the better. This can happen even if you start very late into the game - but your financial habits have to change.

If you'd like to know more about my struggles and wins with money, feel free to visit my website http://www.MoneyRamblings.com where I ramble about everyday money issues.

Contact me by email or connect on Twitter 




The views expressed are strictly those of the author and not necessarily those of Castanet. Castanet does not warrant the contents.

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