Good Bye Bank of America

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Well, old friend, it was fun while it lasted. Spending all kinds of “money” with you, putting that vacation on your credit limit, and even those cute pair of shoes I ended up giving away. *sigh* We sure had some good times.

I know you’re hurt that I’m giving you up. I had to. You were holding me down and well, I just had to pay you off and let you go. I felt like I was giving more than I needed to, and, well, I was right. Your interest rate was killing me!

Please don’t be mad. Maybe one day soon we’ll meet up again. Those perfect pair of shoes, a new sofa for the living room, or even a quick trip to the grocery store. Ok, I’m lying. Those things will never happen again. We just need a clean break.

I don’t know how to tell you this, but the last check to you went through. We’re officially over. I’m sure you’ll find another girl who will appreciate you. She’ll use you to the limit and you’ll be so happy together.

I sure will miss you, but nowadays, cash is king in my house. Don’t be jealous; he’s just a bit more accessible and forgiving.

Take care and be well…

Now to start my “Dear John” letter to Discover Card…

About Amiyrah

My name is Amiyrah and I'm an an African American fashion & lifestyle blogger based in Ohio.

Plan Your Year Now!


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  1. 1.16.09

    LOL Cute!

  2. 1.16.09


  3. 1.16.09
    Katy said:

    Way to go!! It is such an awesome feeling to get those lousy cards paid off! Great job finding a method that works for you and paying off your debt. Keep it up!

  4. 1.16.09
    Jenny said:

    WAY TO GO! Congratulations on paying it off and what a cute farewell story 🙂 This is why I love reading your blog!

  5. 1.16.09
    frugalsuz said:

    LOL!!! Congratulations! Doesn’t it feel awesome?!?

  6. 1.16.09
    Amiyrah said:

    thanks ladies! The discover card one should be coming soon too. That letter’s going to be a dousy! lol

  7. 1.16.09

    Love it, Amiyrah! While we still have a bit more to go before I can bid farewell to the credit card folks, I am SO looking forward to sending Ford Credit an “It was real, and it was fun, but it wasn’t ever REAL FUN!” letter in about 5 months when we pay off DH’s truck! Congrats!

  8. 1.16.09
    Tiffany said:

    Congratulations! I can’t wait until I can write my “Dear John” letters to my creditors!

  9. 1.16.09
    bugsi033 said:

    Oh, break-ups are so hard…..NOT! You continue to impress and encourage everyone who reads your blog!

  10. 1.16.09
    Precious said:


    Can you hear me clapping? Congratulations! That is wonderful!

    On a side note: Now you know why I didn’t post my menu last Thursday.

  11. 1.16.09
    traci said:

    First off YEAH to you and yours getting rid of plastic is so hard but once it’s gone it’s a weight off the shoulders. Second can your little guy be any cuter???

  12. 1.17.09
    Sarah said:

    I love this! Do you mind if I forward this to my Dad to use in his Dave Ramsey class? I think he would like to read this to everyone. If not, that is totally cool too 🙂

  13. 1.17.09
    Amiyrah said:


    Absolutely! Tell him I pass it on with love and lots of humor lol!

    I’m glad you all got a kick out of it :o)

  14. 1.18.09
    JennysMom said:

    *Yelling from the Left Coast* Whoot, whoot! Get up and dance with
    that adorable Sonny Boy,Amiyrah. It’s time to celebrate, girl! I’m dancin’ right now…

    And to VA Mom…LOL! Grocery Boy says (after one of my grocery hounding stories): Well, it’s been real and it’s been fun, but it’s NOT been real fun! Cracks me up every time I hear him say it.

  15. 1.18.09
    Shelly said:

    Congratulations! I love the letter, I cant’ wait to write one to my last student loan—only $430 more!

  16. 1.19.09

    Congratulations! I’ve paid off 3 over the past year and have one more to go. Can’t wait until it’s done!

  17. 1.23.09
    busy mom said:

    Congratulations! way to go!!

    We have a ways to go yet but we are working hard it. Work being slow has us hitting the breaks alot.

    Keep up the work!