It's going to continue to be frustrating if you guys plan on sticking to the ps3 and 360. You guys are missing out on some great titles that will never be released for last Gen, and will be left to play old games or really crappy ports of the new games that do continue to support last Gen.
If you post on a forum like TYM, you clearly are passionate about video games. Work hard so you can support your hobby. I know 16 year olds with part time jobs who bough a ps4, single fathers owning a ps4....work and save 20 or whatever you can muster out of each paycheck and you will be surprised how fast you will be able to get one.
Condolences to those with big life situations going on, layoffs, or any other financial tragedies. No disrespect to you guys.