If you're scrapbooking on a budget, here's a few tips off the top of my head:
* In my mind card stock and patterned paper is one of the most cost effective resources for backgrounds and that can be cut/ altered to make mini embellishments.  e.g. cutting around the patterns/ making strips/ punching shapes etc
* I have many stamp pads (as my background is in stamping) but the one I turn to again and again is Versa 'pinecone' (brown).  Find a colour or few that you will use lots.
*  Everyone has a button jar!  
*  Cut the paper from in behind photos etc to reuse on another layout.
*  I find brads and ribbon go a long way.
*  Stamps and punches can be used again and again and again
Leave a cost saving tip if you have time :)
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Look in the throw out box when you are scrappin with friends for nice offcuts!
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