I'm 25, unmarried, work as a secretary at a 
Cardiology lab at a hospital and I pay  my credit 
card bills (aka my college mistakes), my school 
loans and my other miscelaneous bills (phone, 
internet, etc).  Somehow I can still afford 
cels.  Maybe that's why I don't go out much.  
^_^; I only buy clothes when I REALLY have to and 
keep any additional spending to a minimum.