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Hey Funkychair --
I feel your pain! I'm in the same boat, and sometimes I get really discouraged. My daughter is 5 years old and it's really hard for her to understand why I can't buy her some treat or take her out for icecream more often. They aren't excessive requests, but I am just so driven to get rid of this debt that I am pinching pennies to the max. Of course, when she does get something she's really grateful!
I don't know if you have considered a second job yet, or if your life would permit it, but I always had two jobs until I had my daughter. Just one or two nights during the week and/or during the weekend could earn you an extra $60-$80 a week -- not much but if you put it all toward your debt, you'd be free a lot sooner. And have you considered asking your folks to give you money for birthday/Xmas gifts, etc? And how about having a garage sale or taking some stuff to a consignment shop? Or how about teaching a craft, or music, or some other skills that you have? Even a few hundred dollars coming in from here and there will help you pull yourself out from under.
And treat yourself once in a while! Spend $3 on a really nice little bakery treat, take it home, put it on a pretty plate, make a cup of good coffee and try to feel indulged...
You're on the right track, don't give up!
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