Befriend, pay, or marry someone who sews. I did the latter, and now I have stuff like:

- Inexpensive cycling shorts with (synthetic) fleece padding (it doesn't hold moisture but is wicking, possibly the perfect material).
- Inexpensive merino wool shirts (I don't like jerseys--too garish and I can't use them off the bike). Merino wool is pricey, but wait for a sale and it costs us about $25-20 in material.