>You have a talent for stating most of the stuff I'm thinking but can't get down into words, thank you for that, it's like you've been inside my head for most of this post.

This is something I actually aim for. I want to help people reflect a bit on their own experiences and see where they can improve their lives themselves. 

>It's hard and not fun when you sacrifice going out with friends/family, so you can put those funds to debt pay down, but it's the only way that I know how to do it, so I soldier on. 

The other thing to consider is adding (even a small) additional stream of income. Those small amounts invested or paying down debt can have a huge impact in a few years. 

Have a great day :)