I'm not disabled but my frugal German upbringing won't allow me to waste money!
I agree on the Michael's 50% off coupon. They stock Zap-A-Gap and I've even used the coupon for that!
While I do have a good stash of interesting kits, much of what's on my bench right now is being made from scraps in my junk box. My Dodge Van Camper for instance. The van body is the section left over from another project and I completely scratch built the interior. Supplies like basswood are cheap. Cheap to free supplies are all around us. Heck, I just did seat covers from free Taco Bell napkins!
Take apart that old VCR before you toss it. There's always small parts like wire, springs etc that can be used on a project. I have a open flat box that sits on the corner of my work bench called the "Bit Box". Anytime I am working with Evergreen, basswood, wire or even cut parts off a model in modifying it, those pieces get tossed into the Bit Box. That's the first place I look for material before I grab a new piece of anything. The last several things I scratch built came from materials in the Bit Box.
For instance, the coffee maker I made for my camper. Everything in that piece was from the Bit Box. The coffee maker itself is a combination of Evergreen sheet scrap on a basswood base. The pot is a short length of a clear drinking straw and the handle is half a large staple. The bottom of it is a scrap headlight lens and the top is some round thing from who knows where, but it had the right indent etc on the top of it.
Print things off the Internet. The floor in my camper and carpet in my '34 Ford rat rod were printed from Jim's Minis website for doll house builders. It also can be cheap to print your own decals.
Joe Cavorley was a disabled modeler who built some of the most amazing commercial vehicles. They were all built from junk box bodies and supplies. He once told me, "I can't afford to buy an aftermarket broom, but I can make one!"