Once you stay in the hobby for awhile and learn the way around things, you tend to find ways to make things a fraction of the price. I expected to pay around $300 for my 30, but ended up spending a fraction of which because I went out and found 'decor' (rocks and sunken branches) from a lake, and waited for my val and crypts to shoot runners. As for the tank, as opposed to buying such an uncommon model for full price, I got it used for $20 and resealed it for $5. All my other tanks are bought used or DPG, and I don't buy decor anymore. Last piece of decor I bought was a nice piece of driftwood and some dragonstone from the local aquarium club for around $20.
Oh yeah, I'm also in highschool and don't have a job, so there is not much excuse for not being able to access certain things as long as your parents let you out of the house. All my tanks are paid for with birthday and allowance money.
And another thing, don't get driftwood from lakes, or rocks from streams. Get rocks from lakes, and driftwood from streams. Driftwood from lakes will usually have leeches, rocks from streams will have God knows what kinds of insect larvae.
The biggest (and last) rock I grabbed from the stream down the street was covered in caddis, and had a 3 inch cranefly larva on it, which caught me off guard because I didn't expect there to be a caterpillar on my stream rocks when I got home.