It does cost money to start and a budget each month. And if the tank needs something, you have to find the $$ to get it. Much like any pet who might needs a vet visit or meds etc. I agree some of the expense can be the "I wants" but to start, there is a basic set up cost and a basic maintenance cost to be considered. I've gone the least $$ I could by purchasing both tanks from craigslist. I've had my first saltwater tank set up for 1 year now. Got the tank for 800. Red Sea 66 gal all in one. So saved equipment costs there. Second tank, 125 gal, bought also craigslist this last Nov. was 450 and includes skimmer--dumped stand and sump and bought new stand (400 petco, sump 360 bashsea)
I keep track of what I spend. Here is my break down for the first year and a month in 2016. I have no real bells & whistles or high end equipment. Jebao wavemakers or cheap power heads, some power hob filters and lights for the display refugium (cheap black box). I started Nov 2016.
Equip: (includes setting up display refugium & QT tanks with filters and powerheads, RODI, doser, pod/phyto set ups, and anything that did not come with the RS tank)
2016-1036
2017-2726
Setup: (tanks, sump, stand, rocks, sand-not including equipment just basic set ups to get tank ready for water)
2016 Red SEa-1191
2017 Red Se-405
2017 125 gal-1288
Maintenance (test kits, additives, food-stuff to maintain tank)
2016-329
2017-2827
Livestock (fish, corals, inverts, macro algae, pods, etc)
2016-234
2017-1570
Education (books etc. Thank god for the internet)
2016-19
2017-15
Misc. (taxes and shipping-thank god for
amazon prime)
2017-83
Equipment and maintenance are close. Over time, maintenance will be biggest cost.
2016 : 2810 (Just over one month of spending)
2017 : 8914
Over 11k to set up one display, one refugium and 2 qt tanks and to purchase a new tank, stand and sump. Could have put a downpayment on a car or bought that nice embroidery sewing machine! But not nearly so fun, although I do have to prob. buy a car end of this year....
I anticipate--have budgeted between 5-6k for Jan-July of 2018 just for the new tank set up which includes the first fish and corals and a spare pump and 150-300 mo for the current tank. After July, prob. 400 a month for both, including some months of purchasing corals and fish. Yeah, those months will be higher....
So what we should tell people is there is a basic cost depending on how they start (new or used), what size they go with (some of the costs still needed like test kits) and what they want to get out of it (fish, corals, etc). I was told it was an expensive hobby and that person was right.