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I came across this great post recently about “personalizing” your debt to make paying it off easier. By “personalizing,” the author meant tallying up the things that led to your debt to understand where it came from — this is a great idea! What I thought the headline meant, though, was something completely different:

Give your debt a name so you can punch it in the face.

This is an even better idea! Think of your debt as a nasty little demon that follows you around everywhere you go. Give it as many annoying characteristics as you possibly can, then draw a picture of it and hang it on your wall where you will see it every morning. Trust me on this one, it really works.

My debt is Dielzebub. He wears a polka dotted bowtie and a jingle bell anklet so I know to take him seriously. He eats all my food and poops everywhere he goes, singing the Macarena chorus on endless repeat.

Now you know why I cannot wait to get this pompous poopface out of my life.

© 2015, Cheddar Pie. All rights reserved.

Categories: Frugality


Bridget · August 1, 2015 at 6:23 am

Thanks for the shoutout! I’m thinking I actually like your idea more haha

This is my first time on your blog — looks great! I’m excited to watch your financial journey (particularly the vanquishing of Dielzebub)

    Cheddar Pie · August 1, 2015 at 10:41 am

    Thanks! I appreciate the support and am excited to have found your site too — there’s so much I wish I’d known in my 20s!

Stacey · August 2, 2015 at 6:42 pm

Posts like this are why I love you! 🙂

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