I live pretty much paycheck-to-paycheck as well while maintaining some kind of emergency savings, so my bike spending is always fairly limited.
One thing that has been present lately that never has before is a hesitation to meet someone for an in-person transaction.
For instance, there is a Cannondale frame in what looks like my size for a really good deal, but due to my obligation towards the more vulnerable members of society to limit unnecessary social interaction, it's just going to have to wait.
(and this is proving to be quite hard, because I've been wanting a Cannondale for a while now...)