Money saving tip #1: Block BR, 'that auction site' and all international storefronts from your browser haha
Really though, elaztechs whenever possible and mend-it for all the other soft baits. Plastics are often overlooked in terms of expense, but the longer they last the less they cost. One would be wise to squeeze every cast possible out of a bait before you retire it. I throw all my broken plastics in a ziploc bag and go through them when I get home to see if anything is salvageable, there always is.
In terms of hard goods like rods and reels I enjoy having nice things so I patiently watch and wait until I can find a really good deal on something. I'm honestly not willing to skimp on any link in the rod-reel-line Holy Trinity so I have to make up ground elsewhere, be it a reel that needs repair or one that has a bit of age, etc. I am pretty much maxed out for rod slots right now too, so I have to sell something to get something and rolling the sale money into the purchase of the next item helps take some out-of-pocket sting out.
Also I've recently developed a way to help my passion pay for itself. I originally got a cheap aluminum boat for the simple fact that I couldn't afford a bigger better one. I've been a custom metal fabrication guy pretty much my whole life, so it obviously ended up turning into a project that spiraled into an actual long-term plan after I experienced nonstop positive feedback everywhere I brought it. Long story short, in the past year I've started plucking cheap but solid aluminum boats off CL and stockpiling them over the winter. Come spring I will have a couple fully rebuilt like the one I made for myself (shown below) so I can sell them, reinvesting the cash threefold: a ~5hp or less gas motor for my boat shown below (I want to Quabbin seal it this year), a new kayak and at least one more project boat to rehab and flip to keep the work/gear/cash/fish/rinse/repeat flow alive. See, I may not *have* the money for much of what I want, but with hard work and some determination I know I can work my way into where I want to be over time and that's important to remember. Having a side gig does help compartmentalize the cost of fishing though too. My PayPal is almost like my ghetto fishing/business account lol.
I mean, who wouldn't want one of these little guys? Full custom configuration too, imagination and money are the only limiting factors for a buyer.
So yeah, it's all about examining your strengths and developing a plan to get where you want to be. There's always a way, even if it requires a lot of effort, time, research and planning. Anything worth having is worth earning though IMO. I don't mind spending dough because I like nice things, but I do need to feel like I got a good value before I will spend my hard earned cash, that much I will say for sure.