It sounds to me like you will have to look at the negative scanner route. It might be cheaper now that some of the film scanners are available second hand, but there is a learning curve to scanning, and many of the web resources I used have gone quiet.
Reducing costs on taking photo's is hard. I spent over £800 trying to cut costs by scanning and printing, that looking back, would have been better spent on a DSLR body.
Developing at home isn't too bad, I do occasionally still get the B+W stuff out, but the chemicals for Colour are a more nasty and need more careful disposal, and I don't have a colour enlarger. It is another skill though that will take time to develop (no pun intended), and you will need to practice.
It also takes time too. I think on a good evening, I might be able to produce 6 quality prints, of a reasonable size, if I don't have to do too much to them, and have developed the negs previously. I could probably get though 50 similar prints if it's all digital.
The only way to do it cheaply is process only, then only print the enlargements you want. It's almost impossible to asses a colour neg, so you will have to go to colour positives (slide film) if you are not there already and assess each slide on a light table using a good loupe (which can cost a packet). Process paid slides are going to be about 30p a shot. Then scanning (at least £2 for a reasonable scan) and enlargement costs, it all adds up quickly.
I don't want to put you off, I still enjoy film and there's nothing like the magic of seeing a image appear in a developer bath, but before you spend real cash on a scanner etc, You should see if you can have a go somewhere and see if you like it enough to justify it.
I'll leave the "prefer film" comment alone for another day
