Start-up costs are the worst, and after that... how much you spend depends primarily on your style and needs. Things are just rediculously expensive, though. My plan (which has served fairly well) mostly consists of only buying things that will work for a long period of time, and from there, pretty much making do. Shopping at pricepoint.com helps a lot, and also buying off-season... but besides that, some of the other ladies have some better pointers.