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I think it's useful to admit that I am very privileged to be able to spend the amount of money that I do on a hobby.
Last bike I bought was about 18 months ago. I used an inheritance...I mean I still haven't got the inheritance money and also don't know how much it will be. But still, fingers crossed by the time the money arrives everyone will have forgotten I have already spent it and then I can buy another bike 😜😜😜
The fact that I have three MTB's and they are all still 26" paints a picture about my bike spending habits!
In fairness I have a reasonable road bike, but I bought it as cosmetic damaged ex-demo and slowly upgraded bits, as it was a bit of a mid-life crisis purchase, but again, it is a rim brake bike! My winter/gravel bike was a very cheap Ridley frame, and all the parts off my previous winter/gravel bike.
I'd love a new long/low/slack 29" full suspension bike, but the money just isn't there, and the 26" still make me smile.
I just buy stuff that's cheap enough to get with cash I have in the "slush fund". the most expensive bike I've bought in the last 20 years was £2000, the last one I bought was £350
Cash on the barrelhead!
Cycle to work scheme.

Only new ones i've bought have been through the cycle to work scheme. Everything else has been 2nd hand frames, forks etc
Credit card, that is then paid off the next month. And it’s only the credit card rather than the debit as I want the extra consumer protection.
If I can’t afford it I don’t buy it and wait until I have the money saved.
Bikes, likes cars, are not things I want to be carrying debt for.