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<<I just have to vent a little. I have it figured that I will be debt-free on Christmas of '01 !!!! Now I'm
26 years old now so that means I'll be living like this until I'm 30!! ( My birthday is in December).
This is really depressing me. I've been on strict debt-free bootcamp since November '97. I feel like
I'm missing out on so much. Like a sweet apt. in San Francisco instead of this dreary ghetto land
I'm in. And new clothes, etc...>>

It sounds like you have two problems. The first one is that you still want to live above your means. Almost everyone wants to, but it's still not a good idea.

The second is that when you started budgeting, the amount for some things was a bit too low. My clothing usually doesn't last for 4 years, for example.

You do need to get out of debt, or it will be hanging over your head forever -- and cutting down what you will be able to do. Have you thought about a second job?

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