Hi Adam,
I have just a general comment, not specifically tech related. What part of filmmaking do you enjoy the most? If you are doing everything right now (shooting, editing, finishing, etc.) then you’re going to find that it’s extremely expensive to do everything really well. On limited funds, it might be a better idea for you to partner with others who have specialized interests in the field rather than trying to do everything yourself.
Figure out what you love the most, whether it’s editing, shooting, directing, etc. and concentrate on that. Most people who aren’t independently wealthy or who don’t want to owe their first and second born to the bank can’t afford to pay for a great editing system (complete with a proper video preview monitor, good audio monitors and large/fast RAID storage), a great camera, a great sound package, a great lighting package, etc. And even if you can afford the gear, it takes a lot of experience in each aspect of production and post production to achieve master level status.
You can certainly rent what you need whenever you need it, but it’s hard to be an expert in everything. Pool your talents and resources with others in your field so that you can concentrate on playing to your strengths while you develop your skills in other areas rather than becoming a slave to the process or being overwhelmed (both technically and financially) to technology.