FATAL ERROR - memory exhausted

This is a critical error for me, as I cannot access my site. I know other people have had this problem and it was solved by adjusting the allowed memory, but I think it's something else.
It's a little hard to explain,
Here's the error message:
"Fatal error: Allowed memory size of 8388608 bytes exhausted (tried to allocate 14592 bytes) ..."

My server had two ways to access my site, one is the "/~username" path and the other is "username.host.com" url. In my settings.php, the base url was configured for the "/~username" path and worked fine. I had to edit the .htaccess file as well. However, if I tried the other url, "username.host.com" I get the above error message. I figured it was because my .htaccess file was edited for the base dir and so I ignored it.

Now I'm trying to use my primary domain name, "www.mydomain.com" and I receive the same error. I commented out the .htaccess "Rewrite url" and modified the settings.php file to match my domain name.

I can't understand why the memory is being eaten up. It usually dies on views.module, but if I disable it it dies on a different module and so on. I'm certain it's not a module problem but instead something in the base of drupal.
I have searched for this problem and read http://drupal.org/node/31819 (and many more) but my default php memory limit is 32M according to phpinfo on my servers control panel. increasing this may be a quick work-around, but doesn't solve the underlying problem. Why else does it work under one path and not the other url? With the new domain setup, it crashes, but using the old path, it works. (but of course the base dir is incorrect and no images or .css files can be found)

I'm guessing it's a loop related to a static variable that is called more times than needed in this configuration. I'll study this problem, but hopefully someone has a solution.

Thank in advance for helping me out!