Joyce Ann, welcome! You have the right attitude for this forum! And it sounds like you can be an inspiration to us too! I must admit that I have been spending quite a bit lately.....but I just had to have that Memory Box baby carriage die and I really wanted to learn and practice the Tim Holtz distress techniques.
I started out my paper crafting with scrapbooking, but I have taken the road of least resistance the past few years. Cards are so much faster to finish, and the challenges are fun.
But I promise I will do some scrapbooking soon!