I haven't even been able to take 10 minutes off Transformers since 1984, let alone 10 years!
I've just to become better at managing finances. I gave up collecting any other toy lines and solely focused on Transformers, and I've become more thrifty too. My personal habits which make TF collecting more affordable include:
+ Continuing to buy toys while they're current, thus avoiding increased aftermarket prices. This is something I've stuck with since 1984, so it wasn't any lifestyle change for me.

Always good to take advantage of sales, and be aware that big/expensive toys are more likely to shelfwarm and later become discounted (e.g. Ultimate Class TFPBH Optimus Prime and Predaking are selling at considerably reduced price)
+ Stopped collecting all non-Transformers toys - and thus have also sold off a lot of my non-TF toys.
+ Where possible, pre-order more expensive toys (e.g. Masterpieces). Makes it considerably cheaper than paying full retail prices (which are already overpriced IMHO), let alone appreciated aftermarket prices.

+ At times, you may just need to skip a toy or two. The original MP Grimlock came out just a few months before my daughter was due to be born, so I skipped that toy. But fortunately the Hasbro version was released locally later, so I jumped on that faster than Barry O'Farrell on vintage wine.

I also skipped TakaraTOMY's MP Rodimus, even when I had the opportunity to buy it at RRP without shipping (because I was overseas) -- just couldn't justify the cost for that toy. Again luckily I grabbed the much cheaper local Hasbro version.

I also skipped MP Alert (aside from price, I'm not a huge fan of the MP Lambo mould) -- it looks unlikely that Hasbro will release this toy, and so far I've been unable to find the re-release at its original RRP. Either I'll find this toy at close to its original RRP (approx. $65), or I'll skip it again - simple as that.
+ Save up for big purchases well in advance. e.g. I've already saved up my money for all the Age of Extinction toys that I intend to buy, so come May 17 I'll be like, "Just take my money!"

The downside is that I've been scrimping a lot lately and cutting down on other expenses like less dining out and movies etc. e.g. Captain America 2 is the only new movie that I've seen in months; when most movies are newly released on DVDs, I wait until they become ex-rentals and purchase them then (also because DVDs & even BRs these days are just "bare bones" with bugger all special features and options, so I don't feel like paying full RRP for them)
+ We have a separate account where money gets saved for our daughter. That account hardly ever gets touched.
And if you think having a baby is expensive... wait until they get older! My daughter just started school this year, and that's
really been hitting the hip pocket (moreso when you've chosen to send your child to two different community language schools on top of her regular school

).
