About two years ago, after not doing anything about collecting for about ten years, I sold all the cards that weren't beauties or that I cared about (and almost all my 1950s cards) art a decent price, and certainly at a profit from what I spent a decade or more earlier, and created a kitty--in a separate bank account linked to pay pal. Since then I have just gone up and down on that account without spending a penny elsewhere. It feels like free money, although I do have to sell some nice cards (but never nicest) to stay above the zero mark.
I recommend this approach--if you can limits purchases to that one account--because you don't fret about spending other money and it can just be fun. And your collection gets nicer and nicer as you sell off cards you like less and ones you truly treasure or are great investments.
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