In truth JGoldman10, you don't need either a lot of time or a lot of money. Planks of wood, old balls (for planets), sheets of blank paper, discarded doors, other items placed out as trash are plentiful, at times you can get lucky and find an entire notebook which hasn't been used. Consider using these as a contribution to recycling. Additionally, many times mailings come with blanks...only 1 side of a sheet of paper has been printed on, you can use the other side to either make a rough sketch of a town, village or country or you can jot down some character ideas or plot lines. Leave no sheet of paper or cardboard unused. Pens, pencils and markers are also often discarded when there's still plenty of life to them. (the same is true of batteries, it's amazing how many are thrown away before their time is up)
As to time, all you need is a willingness and a few minutes here and there throughout the day, take 10 minutes of a meal break, replace 10 minutes of television, Internet, radio or other current activity with your creative endeavor. Reserve a part of your daily schedule for your book creations.
The lack of time excuse has been offered up plenty over the centuries, it's rarely if ever legitimate. How many times did I contend with a student claiming they were just 'too busy Mr. W.' to even analyze the simplest of experiments. They weren't however too busy to not be cruising around with friends checking out the girls or fellows. They weren't too busy to not be sitting around making crude comments at people driving down Lincoln Avenue or throwing stones in Muddy Pond while their homework accumulated dust. They weren't so busy that they missed watching 5 or 6 hours of television (really, 3 hours would be more than sufficient, especially during the school week).
You see, we can always have excuses for why something can't be done, how many are legitimate reasons for not doing something? Check your own excuses about time, you'll find there are pockets of time available.
Mind you, the simpleton's method of using a computer program might make your task easier (or it might not); but, at the end of it all, wouldn't it be nicer and more rewarding to do it the Asimov way or the Jules Verne way or the way so many science fiction writers and mystery writers and other writers and artists have over the years by tapping into the resources of the mind? The computer may be an assistant, don't rely on it to do your job.