52 Inspirations is a wonderful way to not only get to 'try out' a designer's products but the products are great stash builders as well. While it might seem pricey, don't forget that you are saving a bundle of money and getting over $300 dollars of products for the single price of $39.99. Plus, you receive an added bonus of $90 in coupons from several designers to use straight away as well.
The beauty of joining later in the year is that you get all the products that have been released each week since the beginning of the year so if you were to purchase now for instance, you would be getting 20 weeks of product downloads ................. and that isn't counting the free collab you get to choose to download nor the coupons mentioned earlier to use in the store now or later on.
I am pretty sure that getting all of these products could well ensure that you wouldn't have to buy anything for the rest of the year if you didn't want to.
Of course, in this day and age every dollar counts so perhaps just squirrel away a few dollars each week until you can afford the one off payment.