Citadel minis and GW products have never been cheap - even all the way back in the 1970's, they were noticeably more costly than most everything else in the fantasy wargaming hobby.
They priced me out of the market sometime around 2006 or so, but I was never among those who like ONLY GW, anyway.
If you're primarily interested in painting and don't want to spend loads of money on re-acquiring figures, may I suggest plastic toy soldiers ?
You can get boxes of Airfix, Hät, Italeri, Strelets, Zvezda or similar 1/72 scale figures for between US $ 6-15 a box, containing on average 48 infantry, 12 cavalry or 4 cannon + crew.
Nowadays, there are even 20 mm fantasy figures, including Elves, Orcs, Amazons, Dwarves and such.
Depending on your lifestyle or work schedule, you can get a pretty imprewssive army of 20 mm figs together in a short amount of time - and for very little money.
If that's too small, 54 mm is another popular scale, although the selection is much smaller and I'm not aware of any fantasy figures in that size.