"Affording it" is all relative too.
I don't know how it is in your area, but here there are all sorts of levels to play on.
Everything from BFL's, Costa's, and B.A.S.S. opens to $40-$70 weeknight, weekday, and weekend open local tournaments against guys with all kinds of boats and skill level.
Get in where you fit in, have fun, and catch some fish. At the end of a "season" if you did well or not, chances are you will have learned A LOT, and become a better angler. Plus you'll make some life long friends.
I prefer to fish in low key, laid back, low cost opens against my friends. It's highly competitive for bragging rights, and small amounts of money. At the end of the day, win, lose or draw, we all pat each other on the back, share what worked and what didn't, and the B.S. sessions before and after are always a good time.
If there's nothing like this in your area....do what I did, and start one. Like minded anglers will find you. Tournament bass fishing doesn't have to be about spending money out the wazoo, putting on a show, and cutting the throats of your fellow anglers.