Question
I went so long in the past without money, its so scary to actually spend money.
Answer
If you don't feel comfortable about spending money for that matter than don't do it or at least do it in a limited manner and on a specific goal.
I don't do it personnally and I am currently developping BtoC sales for an innovative technology on the field of housing water treatment. For business it means that I have to spend sometimes on my own for that matter. And anyway this is the best way to understand where are the bottlenecks in my offer !
Hope this can help you.