...I've been saving up for a second kilt for three years. I figure if I've lived without it all these years, it won't hurt to wait a little longer. Yes, it's expensive, but like others have already written, it's more of an investment and something that, if cared for, will last all my life and probably most of my yet-to-be-born children's lives.
My wife and I make cakes for different occasions, and I've put my "cake money" in an envelope marked "KILT" on my dresser. I counted it a few weeks ago and it's full enough to pay for a 4-yard box-pleat Carolina, so as soon as I get my measurements to Matt Newsome, and as soon as he can get around to making it, I'll be joining the ranks of the better-dressed rabble.
I just finished making myself some kilt hose, and a year ago made my own sporran. If you're not a "crafty" person, you probably have something you can trade or barter with, as Anne the Pleater said.