p2p games have different prices so you need to pay the right fee to them (always the same ^^)
for f2p games..when i really like the game (mabinogi for example) i spent every month some money to push my nexon cash so i can buy different things (mounts or others things) 5-10 euro (not every month) but its stil cheaper than a normal p2p game where i need to pay all the time over 10 euro
(this year i will start a new p2p game - ff14 or star wars if the game will start this year..heared they will release the game in 2011 ^^)
If you have got a good job and you arent a kid anymore its not really hard to spend 5-15 euro every month. Never miss my money xD