I also do not have the funds to have my hair done the way I really would like to so I color at home. I have had both good and bad experiences. Highlighting is best so you don't have the distinct line when your hair grows out but it's also more difficult to do by yourself. If you have a friend or willing husband who can help, it will be much easier and yield better results. Find a color you like, follow the directions (although I admit, I never do a strand test, or wait so many days before adding a new color or trying again)and go to it. Also, I would recommend setting aside a chunk of time (without kids) so you can devote your attention and wash out when it's time. Good luck to you!