Besides a lot of free stuff as clothes, morphs and props. There are also free alternative software which you can use to make you own stuff:

Painting and texturing : The Gimp.
Modelling: wings3D, animator, blender, moi3D(beta).
UV-mapping: UV-mapper classic.

The hobby is as expensive as you make it.

regards,

Thijs

-How can you improve things when you don't make mistakes?