Seeds are not that expensive, especially if you save some of your own. But when you have to buy a lot of different seeds all at once, it can add up.
Here are some ways to save money in the next step, after you've ordered your seeds and they've arrived.
Many seed catalogues also have a section of other things to buy to help with your gardening, but honestly?
You don't need all those fancy peat pots, containers, tools and little greenhouses.
I do recommend purchasing a good watering can, one with a long spout. These are sometimes called 'bonsai watering cans' but they're not restricted to that.
They shower the water upwards, which won't splash or crush the plants when they're small.
There are a lot of options that don't cost anything at all, so stick with cheap or free. The recycle bin is a good place to start.
There are some really innovative ways to utilize those recycled items, like this gadget that goes on top of a pop bottle - perfect for delicate seedlings;
I make scoops for soil mixes from juice or detergent bottles. These are so simple to make, using only a sharp knife, that you'll make several to use for soil, amendments, fertilizer and Dolomite lime.
Speaking of soil, always use sterilized or pasteurized potting soil, so you don't introduce any pathogens into your seed growing area.
Don't have access to soil right now?
Pasteurize your own, over the open fire. Don't use the microwave to sterilize soil, it smells really bad!
I have lots of flats, left over from a time in my life that I had a backyard nursery.
I use those outside, but indoors, I need something smaller. I've saved up a couple of those salad containers from baby kale or spinach through the winter, and they'll make perfect seed starting containers - complete with a roof to provide moisture retention.
Plus they're clear, so the seedlings won't have to stretch for the light.
Cut milk jugs in half, and put some soil in the bottom part, sow the seeds, then place or tape the top part back on to make a little greenhouse.
For single large seeds of plants that dislike transplanting, like squash, cucumbers and similar, use a cardboard egg carton.
When the time comes to plant them out in the garden, tear off each cell and plant. The roots won't be disturbed.
When I sow the seeds, I don't spread them all over the surface.
I make shallow drills or rows, so they're easier to get out without damaging if I want to transplant them.
They can be scooped out with an old spoon or a knife, a small clump at a time.
With the rows, they're easier to water too, you just dribble a small amount of water along the rows, between the plants, not on top of them which could damage them.
For more about the germination process, see this page.