I have nearly filled my shed with tools. Still, almost every new job I do requires me to go buy a new one (even if sometimes it's just a washer that needs to be just 2mm bigger than my biggest one, which is so frustrating). It does get easier with time, but right now, I am still on the stage where I only have everything I need already for the really minor jobs around the house, and I am not sure it will ever get much better.
Remember if you would hire someone to do the job they would have that tool. So you can use the money you save on tools and then have the tool. The first time you DIY a job you shouldn't plan on saving money.
Friends are also good. No need for you to own a weird tool if you can borrow if from someone else who also has done the job. (so long as you return the favor)
