The last debt: paid off in October
The last payment on the car loan, a red cross in the final square and a quiet cup of tea on the verandah.
November 4, 2026 · 8 min
Seven months on the car loan
How the freed-up payments rolled onto the car loan, month by month, and the month I nearly gave up.
The Red Pen
A short letter every other Sunday: one thing I did with a debt, one page to try and one cross on the calendar.
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7 min read
Writing to the lender about the personal loan
The letter I wrote to the lender, what I asked and what I did not, and the answer that came back.