I can hardly begin to put into words what we have been through. When I think of you, I think of Paris, Cabo, Cancun, Playa del Carmen and so many other trips we have been on together. I am not sure what I would have done if you hadn't been there during the summer of 2005, when I was at my lowest point. It was scary not knowing how I would eat week to week. It was you that got me through that rough time.
Unfortunately all those times I thought you were helping me out, I came to realize that I would have to pay you back plus 12% to 28% interest. Do you know how that made me feel? I had just pulled myself out of a horrible time and then I get slapped across the face by an interest charge of $200?! How is that fair?!
Yet like a battered wife, I returned to you time and time again. I thought I needed you... I thought you were helping me out by giving me points, cash back and airline miles. I was wrong. You don't help, you hurt people. There is no give and take in this relationship. It is all about you and I get nothing out of it. I respect myself enough to end it here and now.
We are over. You are no longer my emergency contact... I have been seeing someone else. They are honest and respectful, simple yet powerful. My new relationship is with cash.
I am sure you will find someone else to harass and control. I wish I could spread the message to stay away from you, but I guess people will have to learn on their own.
Do not contact me any more, I don't care about any of your offers.
-We are done!
This letter was inspired from John Acuff's book Gazelles, Baby Steps and 37 Other Things Dave Ramsey Taught Me about Debt
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