I have been in a similar situation the past couple months since I got my LTC-I wanted to join a club, but didn't feel I had sufficient funds and thought I might as well just do pay as I go for the time being. Financially, not a good decision. When I first really got into shooting on my own, Manchester FL was a great option because I did not yet have my own gun, so I could go there and rent, and I became a member there to cut down on cost, which paid for itself in about my first 4 visits. Long story short-if I had joined a club in this area, my wallet wouldn't be hurting as bad as it is at the moment. I originally thought I wouldn't be shooting very much this year and that pay as you go would be just fine, but in about 4 trips to Manchester I spent about as much as I would have on a local membership, and I was still without a place to shoot locally, and without the funds for a membership. I still go there from time to time, because at the moment it is my only place to shoot, but I am presently trying to decide where to apply for membership around here, as I should have done right after getting my LTC. Don't make my mistake-wallets are extremely unforgiving!