What to write

I'm in the middle of about 3 different pieces, and I don't want to finish any of them because they are too personal. I want to write a novel. I remember always hearing that you write about what you know, but how do you get away from writing about your life? How do you use something as a starting point, but then move it quickly into it's own thing.

Changing names and places doesn't work for me. And the circumstances are the starting point. I don't think my life story is all that unique, so I know that what I'm writing about other people can relate to, but really...I don't want to write a memoir or auto biography. Or do I?