Not to mention you can find coupons to Joann/Michaels/Hobby Lobby/ AC Moore all over. While they're only good for one item, that helps cut the cost on needles, and you may only need one larger skein for a scarf, or a small one for a hat. Thrift stores often have a crafts section with yarns and needles, sometimes several of the same yarn even. Senior Citizen's thrifts often have better prices; mine sells skeins for about 50 cents, wound balls and partial skeins for a quarter.
sue- knitting heretic