I too am just starting out and have a VERY small stash...not enough scraps to make a quilt yet. BUT, that just means I have to make more quilts in order to generate scraps!!! See...logic to my thinking,
I have purchased some charms and some fat quarters, so I may reach my "scrappy" goal sooner rather than later. But in the meantime I will just continue to daydream, plan and piece more quilts!