I have a job. Full-time, and other than rent and normal bills, I've no financial responsibilities. Even so, Transformers are one of a number of hobbies I have, plus I like to eat every now and then, so I don't spend loads on TFs. I find myself going through fazes of buying a lot, then nothing for ages. I've a rough idea of my "spending money" budget for each month, but other things than TFs can take up some of that.
I haven't yet sold anything to make more money for new stuff, but space is an issue, as well as me buying new things which make old thing s surplus, so I probably should get around to having a clear out. Am especially tempted sometimes when I see the prices for small g1 accessories or parts of figures. Some crazy prices. Course, new stuff isn't always cheap either. I try to shop around, and there's a lot of stuff I've missed out on because I couldn't justify the pricing. Mostly 3rd party stuff, but there's been a fair amount of Hasbro stuff I'd have bought at half the price. Takara prices are usually way too much. Have only spent the extra once or twice for special stuff (Henkei Megs, for example, was a must when the alternative was Nerfatron).
assembling a Neo-G1/TF:TM cast. Please PM if you have (or know of) the following at a reasonable price: Classics or Henkei Prowl, Astrotrain, Ramjet, Skywarp, Sunstreaker, Sideswipe, Blurr, Perceptor, GDO Wheelie and Springer, or 3rd Party Motobot Arcee, FP Springer, iGear Ratchet and Ironhide, City Commander (and/or Ultra Magnus), Starscream (deluxe) Coronation add-on, or Spike and Daniel in their Exo-Suits.