Have you NOT yet heard of digital scrapbooking? Low overhead, no paper mess to organize in my tiny home, very creative. There are amazing freebies available online. What's not to love? I've been using digital scrapbooking supplies to help me stay motivated this past year. Me, my laptop, and unlimited creativity.
I like to create from scratch, too, but using kits and supplies from other creative folks helps get me jump started when I feel stuck in the mud. Here are a few sites to get you started, too (some freebies, some commercial)