I'm confronted with two ways in which I could pick up the WFB army I've been thinking about getting.
On the one hand, there's the thought of doing a new Vampire Counts army, with hardly any GW models in it - I've been poking around making lists of suppliers and I think I've worked out where to get most of the things the army's going to need for a more reasonable price than GW are asking for - and it'd be a bit different from your average Vampire Counts army too.
On the other, there's my old mate Edd, who's thinking of selling off his Dark Elves. There's a bargain price attached to a decent-sized army that's built and mostly primed or basecoated - it would need some work, but not nearly as much as starting a whole army from scratch. It would also represent a change of style as far as gameplay goes (I've been playing Vampire Counts for as long as there's been a Vampire Counts army to play), which I have to admit has a certain appeal to it.
The Vampire Counts option is the plan of small expenditures over the longer term, which strikes me as the more inherently Frugal option. However, there is the hidden expense of a Vampire Counts army (i.e. it's a large army which frequently needs even more spare models for raising in-game) to consider, as well as the potential for delays between starting the project and playing some games (even small games with Vampires tend to involve a lot of models on the board).
The Dark Elf option is a large up-front instant-gratification sort of purchase, and feels instinctively Not Frugal, but it is a one-off expense that enables gameplay to start sooner and interest in the project to be maintained. It might also be the sort of thing that helps me control my urge to spend, since new purchases will have to be weighted against the "there's stuff unpainted at home" factor.
(I'm getting better at not buying new stuff when I've old stuff that hasn't even been painted yet, although, that said, my Steelheads have been primed for three months and haven't seen either brush or tabletop... so maybe I'm just getting better at lying to myself?)
As usual when confronted with decisions, I am now all of a dither, and therefore opening the doors to you lovely people for some advice.