I am on a tight budget as well. My salary from the USN is farily small and our economy being in the tank certainly doesn't help much. However, my quilting is an addiction and there are some ways I indulge at lower costs....
1. I only buy fabric when it is on sale or at a place I can get it at a much cheaper price. A couple times per year the quilt shops in my area will have 1/2 off sale. That's $5.00/yard!!! When these sales happen I buy ennough to keep me occupied for a while.
2. Notions and tool I only buy from stores that I can get a good cupon for. There is a Joanns Fabric store here that almost always has a 40% off coupon, just got to know where to find them. I haven't bought a single rotary cutter, blade, ruler, or cutting mat at regular price.
3. I also use Amazon.com for books. It is much cheaper than the book store.
4. I try to improvise where ever possible. This one is really pathetic... I didn't have money to go buy supplies for a light box so I took my old desk lamp and put it in a laundry basket and then put a 2'x2' piece of glass on top. Instant Light Box
Maria