Didn't read too much before but...
I have a seperate stash (under the bed, not literally but you know what i mean) of where i acquire some cash for whatever reason that i put JUST towards photography. I do security jobs on the side from my IT job and i take the extra cash and put it in a drawer and save it for photo stuff. Its not a priority (photography) but it is something i enjoy and will take time acquiring loose cash here and there. I just got the Sigma 30 and am looking for a 50D currently and it took me probably 8-10 months to acquire the funds from security gigs for the both of those.
(Note: I can't stand working with drunk people... after halloween night i told myself i was over the security thing but the cash i brought in had me rushing home at like 3a and checking POTN for a new Lens!) LOL!