I don't post much and am not very active in the hobby now, but I started in the 1980s. This is mostly for the young guys but any hobbyist would do well to follow this advice.
If your 'disposable' cash isn't enough to hobby, it's not for you.
If you're paying other bills late in order to hobby, or using credit cards for cash advances, stop it now. It will become way too easy to max out one card, then another. If you're saying to yourself, "just this last time on a credit card and then I'll pay off what I owe", you are bullshitting yourself. You will be swallowed up by a debt so large so quickly you won't know what hit you.
Challenge yourself to quit until you pay off the amount you put on credit. If you can't do it, then you have a problem that will only get worse if you don't get help.
Flame me, call me alarmist or whatever. I stand by this advice. Good luck to anybody reading this who may benefit from this post.