I pay for good tools that I use.

I spend 30 - 60 bucks a year with Horizon Labs.

I spend 25 bucks a month on Cursor. Cursor replaced an OpenAI sub.

Both support hobby projects. If either cost increased I would spend some time testing local alternatives and probably drop them.

Horizon Labs especially, I know that they have been matched by open models and are mostly a convenience at this point.