i have an ok job that allows me to purchase my figs.
and i also i dont spend on what the majority of people spend their money such extra clothing and shoes, video games, upgrading my cars stereo rims or radio, go clubbing, excessive drinking, smoking, dvds, computer gadgets or latest cell phones, vacations etc.
avoiding all those costs allow me to focus on saving money and purchasing my toys.
as many people have stated try your best to avoid impulse buys and be smart with your money. i try to not buy a figure if i don't have the money for it. i can tell you from experience that getting in debt with a credit card is not a good spot to be on. i was in debt for 2 years before i could be out of the red.
its also just a matter of being happy with what you have, i was happy when my collection was made up of a few figures and im happy with the collection i now have. no regrets and every single figure i have is important to me because i gave it a lot of thought before purchasing it.