Charlene on a shaded verandah with tea and bundled envelopes.

November 5, 2026 · 9 min

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.

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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