I wouldn't even call myself an amateur. I mostly take color snapshots; my memories.

As for money; I buy film as funds allow, and most of my darkroom equipment is second-hand. I always have a few rolls around the house.

I tried to estimate what film and processing/printing (both at home and from a lab) as well as chemicals and used darkroom equipment have cost me in the past 10 years. I don't think it is near the cost of a good (but not top-of-the-line) _full-frame_ DSLR; and this is not including the requisite computer software and hardware to equal a cheap darkroom setup for my admitted snap-shot-centric photography.
If I extrapolate back through my entire life, compared to today, film & processing was cheaper and digital (once it surfaced) was more expensive. Considering I'd be on a second DSLR if I'd went that route (you know, upgrades, etc.), I think my film habit still works out cheaper.