If you have to BORROW to buy the bike, you are not 'living within your means'...try something different this time (since what you tried last time obviously didn't work) and save up the cash to buy the bike. It will make your ride SO much more enjoyable.
Dave Ramsey Homepage - daveramsey.com
I agree with this. Not what you want to hear, I know because I was in your shoes a few times before.
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