yes, there are lots of hidden costs with game developement...
- Model Editors
- Texture Editors
- Sound Effect Editors
- Music ?
- World Editor (for advanced projects)
But, if you are low on money, you can focus on what you can do. If you can't afford MilkShape or CShop, just use any free objects you find, animated or not. Focus on making a "fun" game with what you can find. If your game is truely fun, show it and ask for models or textures or music to "finish" it.
If your better at something other than coding, help others "finish" thier game while you learn from thier code.
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