I just started getting into collecting a few months ago when I saw some hottoys pics online. I was very excited.
Then I saw the prices, and I was less excited.
Then I ordered one and when it came, I was excited again.
Then I received my credit card bill and was not as excited.
Number 1 rule never use credit cards to buy these things. Its way easier to swipe that card when it doesn't hit your account right away but u can rack up a couple grand quick. Better to use cash/money u have only, it will stop u from buying things u really don't need/want. This hobby can get u in deep trouble if your not careful, and credit is just tooeasy to use.
You explained the pattern well but for me its when I receive my bank statement that I cringe a bit.