Uh, well, unfortunately most of us still have to pay the rent or house payment, unless we want to go live in our tents under a bridge! I fully agree that a high quality sleeping bag is worth saving up for, but I don't think it's worth going into debt for (especially not with credit card interest rates!). For those who face this situation, it has to be something less than ideal---or used gear--for now and start saving!

Check out Backcountry Gear; they are having a holiday sale on a number of good sleeping bags. Go through the TLB Gear Portal at the top of this page.
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May your trails be crooked, winding, lonesome, dangerous, leading to the most amazing view--E. Abbey