One way to cut your costs is to use the bulk rolls of 35mm that are available. You can really pick up bulk rolls very cheaply if you get the short dated stuff. I got some short dated bulk rolls of FP4+ for $35, shipping included from Isreal a couple months ago. I got them in June and the expire date was July, but in the freezer they don't age. I'm enjoying the process of making my own rolls, I feel like I am a lot more involved in the photography process.
That doesn't work for us 120 and LF shooters...
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~Stone | "...of course, that's just my opinion. I could be wrong."~Dennis Miller