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just befriend someone who works in the industry and get them to sell you stuff cheap or give you warranty stuff etc.
Learn how to fix your bike or Use a small bike shop.
Buy things in advance when you see them cheap.
Group buy stuff.
We all put a fiver in after a ride to cover the beer. Use the extra to buy those tools that you need but rarely use.
It's nto difficult at all as above, tho I wouldn't give up discs - saving on v brake pads and rims means they pay for themselves.
I could say "think aboutu not buying 10 speed xtr" etc but that type won't be reading...
Spose it depends 'how' you brake 😉 V brake pads last me a year per set easy and I've never ever worn out a rims braking surface, I have bent amd cracked discs beyond repair tho
AWEOMSE
Another vote for getting jackets and stuff from Decathlon.... the jackets and stuff of mine are OK (a bit warm), but when I trash them in a crash I won't be too bothered. If I shreded a very expensive Gore jacket, I'd be pretty gutted.
I buy loads of stuff second hand, but a lot more people seem to be doing so at the mo - some of the prices styff has fetched on flea bay recently has been quite surprising.
The hard thing, is snapping up the good deals on stuff - I'm not usually fast enough, although did get a cracking deal on a part built Chameleon for the other half.