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Dear Debt: A Story About Breaking Up With Debt Paperback – August 12, 2016
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Finalist at 7th Annual Plutus Awards for "Best New Personal Finance Book"
"As someone who has read numerous financial planning and debt reduction books, I loved Dear Debt. It was written in a personal but authoritative style that was well researched. Dear Debt is highly recommended."--Danita Dyess for Readers' Favorite
About the Author
Melanie Lockert is the personality behind the award-winning blog, Dear Debt, where she chronicled her journey out of $81,000 in student loan debt. Through her blog, she inspires readers to break up with debt by writing their very own breakup letter to debt.
In 2015, Melanie (and her journey out of debt) was named one of the top five most inspiring personal finance stories of the year by Yahoo! Finance. She currently works as a freelance writer and event planner. Melanie and her work have appeared in Business Insider, The Huffington Post, Yahoo! Finance, INC, and more.
Originally from the Los Angeles area, Melanie moved to New York City to attend New York University. She holds a Bachelor of Arts in Theater and a Master of Arts in Performance Studies. After stints in New York City and Portland, Oregon, she returned to Los Angeles, where she currently resides.
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The beginning of the book frequently mentions the psychological and societal attitude towards debt. A super important discussion that doesn't happen near enough in personal finance, which makes me glad it was included in the book. People, starting when they’re teenagers and signing for their first set of student loans, are led to believe debt is a normal thing and not something to worry about. Everyone’s doing it. Melanie talks about how she broke free from the perspective and took charge of her debt situation.
Melanie went through college and graduate school pursuing various creative endeavors in theater and the arts. She got her bachelor’s degree in theater and master’s degree in performance studies. Because of her activities in the creative field and non-profit work experience, she thought she was destined to a path of low wages and struggle.
Many people have similar mindsets to where she was at. They think they will never be able to reach financial independence or be in charge of their money due to their situation. The book breaks down different steps on moving past a limiting money mindset to developing a proactive view towards money.
Money is not good or bad. Money is simply a tool for opportunities. The book covers how to get started with side hustles: strategy, building your brand and dealing with things like taxes. Lots of helpful practical advice.
The biggest lesson from the book about money and debt is shifting your money mindset. We all have a unique mindset when it comes to money: the way we view saving, making more, and spending triggers. Mindsets and bad habits can be remedied and improved upon. Changing your money mindset is arguably the most important thing towards staying motivated to eliminate debt and achieve your financial goals.
If you're stressed under the mountains of debt, I highly recommend this book. It's the best ten dollars you'll spend.