If you like to keep up with the Joneses, you'll have to bear the costs. Then you shouldnt have to complain.
Otherwise, spend within your budget and work on "free hopups" like driving skill, setup and track time.
I dont believe club level racing is an unsurmountable task on a budget unless you're racing at national or regional level. Even then, there's no reason to spend more than you need unless you're sure it will give you a shot at winning.