Laura, I'm so sorry to hear about your losing your lens! And I hear you on the expenses associated with photography as a hobby. My dh is much more willing to allow me to buy expensive hobby "trinkets" than I am doing so. (My mother's penny-pinching ways have been genetically transferred, I think.)
Is there a way to "dip your toe" into the business of photography without taking the plunge? For example, are there a few friends or family members you could "experiment" with who would be willing to pay you for doing a family portrait or two? Your skills are excellent, and I know you would be able to provide them with a portrait they would love. Once you have several "friendly" sessions under your belt, their "word of mouth" recommendations and your exposure to working with clients might help solidify your decision to do such photography for pay.
Godspeed in your decision.
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Tracy
Software PS CS3
Platform Mac (Naturally)
Camera Canon 40D
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