And, if you are watching pennies like me, barter!!
In the last several months I have bartered my time for fabric, such as: A friend didn't want to add the borders and binding to her quilt. I did it for fabric from her stash. I had seen one color in particular in her stash that I just had to have and asked her, "What can I do to get that fabric form you?"
She was more than glad to give up a few pieces of fabric left over from projects. The fabrics were old to her but new to me!