Some of those expenses include $200 a month for gas; $810 a month in car payments, insurance and maintenance; $1,400 for a new bed; a $50 snowboard; and a $300 iPod.
"I do feel like I sometimes live a lie because my friends will call me and say, 'Let's go get a manicure and pedicure.' Or, 'Let's go to dinner.' And I know the bank account says, 'You can't afford to do it,'" she says. "I know I need to cut back. It's just tough when all of your friends are living this life."