I understand that well. I'm just lucky, I guess. My rent is cheap since I share it with a bunch of room mates, and I can't spend much when I'm out at camp working, so I plan to travel to AN every year.
It used to be a money issue for me too, back when I lived in Ontario. I wanted to go to conventions and cosplay, but the money was never there.
Kirito (Aincrad, not ALO)
Ino Yamanaka 75% (Need wig cut and styled)
Pink Power Ranger (possibility)