You'll see, even when you start working, your money always goes to something else. Mine goes mostly to bording and lodging and the fiance.
Perhaps you should look around for a club in your area, if I didn't have friends to help me out, I would never have started my layouts by now- friends both on the net and in real life can help greatly towards layouts and the building there of.
Perhaps try: Sydney Model Railway Club, surely they have members in your part of the country. I am busy finding out from a friend about a few others.