I think we"re both in the same boat. Here are a few random thoughts.
First, p-f.com has been a God-send. I feel like I've gotten back the $25 or whatever it costs to be a supporter of this site many times over. Being able to support a site that provides access to the SMEs as well as all the knowledgeable folks here to help me sort out the BS from worthwhile info is fantastic.
I also dry-practice a lot. It's free, and provides a big benefit in terms of building my grip strength.
Yes, training is expensive. That's why I wrote my thread about why a noob should attend Rangemaster. In one long weekend you will be exposed to a variety of up-to-date trainers and methods. This is awesome value for money.
https://pistol-forum.com/showthread....nd-Rangemaster
That was my budget for 2016. For 2017, I've been saving for *one* good combative pistol course that I can take in the spring.
As far as online (free) options, I follow Active Self Protection and Greg Ellifritz's and Ms. Tam's blogs on Bookface, as well as YT videos by respected trainers (SouthNarc, Mr. Givens, Mas Ayoob, Chuck Haggard).
(When I first started in 2013, I did watch a bunch of the more, ah, entertaining YT "personalities", but have concluded they don't really have much to offer.)
These days, I spend my budget by following these rules:
1) Is the expenditure going for ammo?
2) Is the expenditure for training?
3) If the answers to 1) and 2) are "no", are you *really* sure you need to buy this item?
This seems to slow me down quite a bit.