My incredibly cunning plan for affordably shooting more film this year than last year is to switch to exclusively shooting medium format in black and white only. This is because I can then send off rolls for development only, which is the cheapest possible option (I would still love to home develop, but initial outlay costs are too high for me), and then use my cheapskate scanning approach on the negatives. By shooting 120 format I can get a decent resolution scan even with my scanner. Also, I really have not used my Yashica Mat as much as it deserves to be used so it's a sensible idea all round.
I just wish I had of thought of this before I bought a new roll of 35mm film.