I am a practical person. If I can learn a language on my own, with just the resources I have available, then I won't spend a cent on it. Why pay out of pocket when you have so much online and offline resources with you, right? If you know anyone speaking your 'dream' language who at the same time speaks your native tongue, then that's just great; you can have yourself a living translator. If, however, there's a really great need to learn the language immediately, then maybe I would consider alloting some money on a tutor.