I recently completed mine on a single-income, blue collar salary (3 kids + mortgage). The key to putting together an inexpensive, beautiful set was to be accepting of small creases that don't impede prominent parts of the card (like the player's face). It is more important to have a clean, colorful picture than a crease free card. A tiny crease will reduce the price of a beautiful card substantially, thereby reducing the price of your set substantially as well.
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