If Destiny release date remains unchanged, we will have it at 06/30/2014. So, you got 310 days to save money to buy it, and the console you wanna play it on.
Saving only 2 dollars/day, at the end of this process you will have 620 dollars, more than enough to buy both game and PS4/Xbox One. The more Destiny launch is delayed, the more money you save, so perhaps by the time the game is released, you'll have made enough to put your hands on a collector edition. And with a "daily" small to none sacrifice, monetarily speaking.
Start saving now your daily 2 dollars.
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This is also my plan. Not interested to play any other game for next gen, except Destiny.