On the money making me cry front, ten years away from Games Workshop has made me frankly astounded at some of the prices, Blister packs of two metal troops for example don't seem to be £4 any more. So I have been kitting myself out via eBay, 8 fine detail brushes £6, 10 Modelling files £6, 12 piece steel sculpting set £7, 12 inches of green stuff £4 and many more bargains. Stuff that quite frankly makes the jokingly named "Hobby Starter Set" look totally ridiculous. I wanted Citadel paints though, but made the mistake of buying citadel paints from GW, before I found some independents selling at 20% less.
Anyway if like me your starting out, either again, or for the first time, shop around. There is a lot of sensibly priced good stuff out there on eBay, Amazon and at independents.