I also don't make much but I can't expect to make too much considering I just graduated form college in December. I am an Office Manager and Insurance Agent for an insurance agency. Also, I don't go out and do too much stuff on weekends because I try to save my money for tank upgrades.
I'm with everything else on this, I look for sales and only buy cheap. For example, I just recently ordered a Stealth heater from Big Al's because it's only $20 but from the
lfs they sell them for $40. I have to wait 2 weeks to get it (they are backordered), but at least I'm getting them for half the price of the
lfs. Tanks are only purchased on sale and all the equipment I buy from Big Al's. With fish I price shop and compare quality. Then of course we save for most of the large purchases. I've had the 55
gal tank since January but am finally setting it up now. I'm still waiting on the heater to come in. That's how we got the 150
gal tank.
IMO, I'd rather save and wait for a quality product than to buy a cheap produce right away. By doing that you are saving yourself from buying multiple products. Ie: The heater. The one that came with the tank was a glass one that didn't have the number readings on the outside. It was kind of like you had to guess and wait 24 hours and then move the dial accordingly. The new one I had to pay for, but it is a quality heater. AND, buy in pieces. When you have saved enough money for the tank, buy the tank, then wait until you have enough money for the filter, then the stand and so on.
Ok, sorry for this being so long.