This can be a great frugal living strategy, IF you have some useable ground to do it on and can do it without a large investment in tools, etc. It's too late to do it for this year, but breaking ground is easier if you spread out a thick layer of hay (not straw) and leaves across the area you want to work and leave it alone for at least 6 weeks. When you rake this back (ideally, to either cover a new area you want to turn into garden or use as a mulch after the plants come up), the ground is generally very easy to dig.
Community gardens can be another option. You may have to pay a small fee for the use of a plot of ground, and of course there is the travel time if it isn't truly close to you to consider, but the trade-off can be that there are sometimes tools available for use and knowledgeable gardeners for advice.
Gardening in pots is also an option, but be very cautious about the costs of starting up.
Start small, and I mean really small if you aren't experienced at gardening. 4' x 4' is big enough to grow more than you might think.
More on gardening later, but this week's going to be short posts...