Frugally speaking, it's time to start looking for free seed starting containers and sort through the seeds you saved last year. If you didn't save any, it's time to plan on what you have to buy, add up the cost and make a decision to save them next year. Packets of seed each year is an expense that can easily be eliminated.
Some seeds are easier to save than others, but all seeds can be saved. For instance, if you let one or two radishes go to seed, you will have enough radish seed to last a few years. Nature is generous! Kale, lettuce, spinach and similar leafy vegetables will set enough seed from a very few plants (or even one plant) to save for the next year with seed left over.
Beans and peas of all kinds produce plenty of seed if you choose a couple of plants and mark them when you are harvesting. Tomatoes, peppers and squashes take a little more care, but not much and one vegetable will have more than enough seeds to save.
Saving seeds from year to year not only saves you money, it ensures the best harvest you can get because each year the seed gets more comfortable in the specific climate of your garden and can produce better and bigger vegetables.
Make it a point this year to save more seeds of your own and pay less for someone else to do it for you.