Just to echo what everyone has said - most of us here are doing it without the coaching, and if money's a problem then study your book, surf the net for more info (it helps a little if you read French) and go for it, we're here to help and share as best we can (for free!). And if you start saving now, if it's not working by doing it yourself, you could still switch to the coached route later... not sure if that is a good or bad suggestion though.
I think Jo (Maintainer) may already be off for the weekend but she may have a comment or two to add about the coaching.