I'm a "drive-by" shopper when it comes to ammo. I use 9mm so I'm in a bind both for the shortage and for the general popularity of Hornady's 9mm self defense rounds. But, I usually pick up some every time I pass by a shelf (on my way to the knife counter that has what I use, so I've got a few boxes stored around the house. I'm in various gun shops and big box sporting goods stores quite a bit, so I'll pick up a box or two just to buy something sometimes.
As far as knife budgets, I'm living on past investments right now. If I see something I want to try, I sell off a couple of previous purchases (made when I had a bigger income) to feed my addiction for now.
"If there are no dogs in Heaven, then when I die I want to go where they went." - Will Rogers 1879-1935