I can relate, there is little funds for my wife and I to play with--especially in this damnable winter! But, I think I can tell you guys this, 'cause we're all Skyrim-folks and we have a general understanding of one another, so...
...I didn't spend any money on Christmas presents because I bought myself a brand-new Xbox 360 Slim. I did this, because I had gone about six months without Skyrim. My console died right before Dawngaurd came out, and I've been itching and twitching since then to cast some Lightning Bolts! So, I sat through two Christmasi without anything to give anyone except some badass fudge (we're talking dark-chocolate bacon, here.) But still, I bore the guilt and my wife bore the guilt because both of us missed Skyrim so much.
And a year or so ago when we first got Skyrim not too long after it had come out (only then could we afford it,) a huge yet mysterious crack appeared across the CD! So my wife goes and buys a whole new disc, right on the spot (that's why I married her, she's got her head screwed-on straight.) Still, that pl***'s expensive for us.
So I've already laid down the coin for 2 game discs and a brand-new system, and I'm prepared to keep spending as long as I can play my g*#damn Skyrim! But... we're waiting a few paychecks to download Dragonborn...