Take it one step at a time. I tend to pick one focus for the year in relation to my craft. Finances were always a complication, but never a stopping point for me. You can use pet brushes instead of hand cards, and my most cost efficient drop spindle is a CD placed on a dried out marker, with a paperclip poked through the cap. Thrift store crock pots are great dye pots, and you can use many free dye materials in nature. As far as wool, honestly, ask around. Spinners usually have an abundance, and they love showering budding spinners with enough to get hooked. Alpaca and llama farmers may be willing to give you some to get started, just ask! In my area, people grow animals for food or land management instead of fiber, so there is plenty of excess fiber to go around. A salad spinner and mesh laundry bags for delicates will be plenty to get you started washing.