Like a lot of you I love folders. I would spend a small fortune if I didn't find a way to save money on purchasing them. I suggest where possible buy a used one if you can find it in good condition. Check Craiglist, eBay and other places. Few things lose their value more quickly than a bicycle except maybe a jet-ski or dirtbike. Find a company that has a good reputation and buy their product and it will have a decent resale value but let someone else take the first hit. If you can, buy a demonstrator if you want a "new" model.
By using this strategy I have been able to save a lot of money on bikes. Or find a bike that you know you might not really want to buy but you know it is underpriced and flip it. Or if you aren't sure about something try and find a used one so that you if you don't like it you won't get killed if you want to sell it.
Also try and think long term. It is better to spend a bit more and get a good one than to buy something you absolutely hate but sometimes it is hard to know what you really like until you have experience.
Find a good dealer and develop a relationship with them. They will often be a bit more flexible on the bikes or at least help you out on accessories. Perhaps you can barter with them. Maybe you have a service or skill that they need and are willing to trade that toward the bike or part of it. That has worked quite well for me.
If I had to pay full price for every bike it would definitely limit what I could do. What I have been able to do is take a small initial investment and careful work it so that I added a few dollars here or a little work there or swapped something for it that I have actually spent surprisingly little money out of pocket.