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Dear Credit,
I was so excited to meet you that I had to have you! But, I think we rushed into our commitment. Instead of being patient and learning more about you, I fell in love with what you I could acquire with you without realizing the cost of our relationship. So, our financial one-night stand turned into a long-term financially abusive relationship.
You didn’t change … I did.
I was surprised when your “giving” demeanor changed into “Debt,” the “Taker.” But, that is just a part of your personality.
Now that I am wiser, I realize that our relationship is financially and emotionally unhealthy. For example, when I started having financial problems, you were relentless in your demand of my money, time and emotions to satisfy you.
It’s not you … It’s me.
Credit, you are who you are. And because I was financially promiscuous and did not use financial contraception (a budget) with you, I wound up with Financial STDs (Substantially Tremendous Debt). That financial dis-ease not only infected and affected me, it infected and affected everyone around me, especially my family. I took time away from my family to work to make enough money to relieve the financial hardship I was in with you. I have just decided to make the changes required to have a better financial life for my family and me.
I’m in love with another.
I can’t go on treating the one I love like a financial side-piece. Even though you think that you are the center of my universe, I will no longer work and live my life enslaved by you. I’m actually in love with Money and he’s been helping me get a handle on stabilizing the financial roller-coaster I’ve been riding on with you.
You’re not bad.
Credit, you are not Bad. You are actually a good business partner and friend. I just got consumed with you and became overwhelmed when you turned into your alter ego, Debt.
Let’s just be friends.
Credit, I don’t want to lose you, but our current relationship is financially abusive. I do believe that there are some awesome opportunities for us to partner in the near future. But, this time, I am better prepared to handle this partnership.
Thank you for being there for me.
I do appreciate everything you helped me to acquire. It was indeed a learning experience. Now that I know better, I look forward to having a more productive and profitable relationship with you as “friends.”
Sincerely,
Tarra
