
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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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.