1. Ditch the Fastrack, besides being expensive it's also loud and unforgiving. You can't waver from the geometry of the pieces, no sweeping curves, all sidings and spurs at a set distance.
2. Build your own bench work. There are companies out there that make great rock solid bench work but you pay a premium price for it. Unless you are the type who cuts off a finger every time you pick up a saw (don't laugh, I knew a carpenter who spent more time in the emergency room than on the job), do it yourself. You don't need cabinet grade lumber for the bench work, it's hidden anyway.
3. Scratch build some buildings . It will make your layout unique. You can show it off to your friends and family. It will justify the extra time spent in the train room.
4. Scrounge up anything that looks usable for scenery. The dollar stores are perfect for finding cheap paint and craft sticks not to mention aluminum foil for scrap metal.