I may have only $30 cash but I'd sure have my credit card with me too. I didn't start quilting until my kids were almost in college so scrimping or budgeting hasn't been a factor for me for quilting. Sometimes I'm so glad I didn't quilt when the kids were young. I was always broke then. LOL. I crocheted because it was not expensive at all. I would never be married to a man who I had to worry if he would get mad at anything I did or didn't do.