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U.S. Navy Chief Petty Officer (Retired). I live on a combination of my retirement pay and my VA disability allowance which keeps me just above the poverty level. I try to spend around $15 - 20 per month, usually buying rolling stock. In order to purchase locomotives, I've had to put them on layaway and pay as/when I can. <br /> <br />It also means I don't have that much to spend on construction materials for my layout. Most of my tools (along with my money) are tied up in a divorce settlement. I was awarded the tools, but they're in my wife's possession and I would have to drive 750 miles to get them. If it weren't for the sheer cost of replacing them, I'd let her keep them, but the table saw alone is over $500, easily more than a drive there and back.
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