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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I did the math, If I save 20 dollars each week for the next 30 weeks, I'll have around 600 for around the time destiny comes out.