I am on a very strict budget and it is HARD. I have to buy the material for a quilt a little bit at a time. I don't have a "stash" of any kind. I now have a quilt top and I am waiting until I have an extra $20 to buy the border and binding material. Then I will get the money for the batting and backing. I see people posting 2-3 quilts they have already finished this year and I am patiently waiting to buy what I need for the one and only I am working on. Then I remind myself I am lucky to have a safe, dry home to live in etc....