I did kinda what you are talking about. I retired in 2004 at the age of 60, didn't have a choice. I am a caregiver for my Mom and my husband is disabled. Before I retired. every pay day,I ordered form Coltilda catalog, for tools,different feet,marking pencils,you name it. I didn't order material as I just went to walmart or joannes for that.
If you are retired on an income,that just pays the way and doesn't have a lot left over as I am,then you have to plan ahead for extras. I have some old,old,old thread. In funny looking spools,wooden spools, As long as the thread has been stored properly it is ok. Mine was and I use it. I have skirts,blouses etc. of my Daughters,Disco stuff,that I am going to make into 2 lap quilts for the 2 of them soon. They are now 44 and 45.I bought them when they were 12 and 13. The mateial is perfect.
If you are lucky enough to have a hugh 401K and a big retirement form the company you worked for that is fantastic. If not like me then buying ahead is the sensible thing to do. I am glad I did.
10 years is really not as long as it sounds. The older we get the more time is so short. Buy and enjoy now and later.
Bill'sBonBon