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Fleming mentions numerous times where Bond gets his cash from. Only a small percentage actually comes from his salary, most of it he has as a result of his gambling addiction. Read Moonraker and you'll see that Bond has quite the retirement fund. Also, its assumed that Bond buys these things because he appreciates the finer things in life. These are his simple pleasures, and it's a very English thing to do, especially in the post-war period when you could actually get a Saville Row suit for an affordable price. If bond is going to literally spy around with extremely wealthy men, he has to look the part and act the part. I'm obviously speaking of the literary Bond.