One essential skill that a lot of people have forgotten: DO IT BADLY.
I think a lot of folks who think "I don't have the money to do that" are assuming that they need lessons, or to do their hobby well. They need good materials, new tools.
But I do just sit down and draw. I like landscapes. Then I paint over my truly mediocre sketch. I've never done one that looked all that much like the thing I was looking at, but they were pretty and I had fun.
(when in doubt, add bushes and flowers)
You'll never see me post them, because they're not good! But it's a hobby, and it was free to start- I already had a pen and paper.
Anyways, write bad stories! Make bad art! Lose at games! Get lost on your walk! Identify the hawk wrong! Make bad musical instruments! Train your cat!
It can be discouraging, because so many people are such good artists, and I'm... really not. So I give up, and come back later. It's okay. I don't need to be perfect.
You don't have to post about it, nobody will know but you. And even if you rented a billboard saying "TWITCHY IS BAD AT LANDSCAPES," so what? It's a hobby. I'm allowed to be bad. So are you.
So go forth! Try something new, and suck at it!