I'm very much in your situation! My friends and family know what I like for gifts for all occasions - gift cards to fabric stores! Took me 7 months to pay for my new machine - but wow, does that make it even more special!
My "stash" is left overs from other projects so quantities are small but its fun to play with!
A yard here, a FQ there from what's left of my SS check and away we go!