This is how I do it being a family of 4 and on a tight budget.
1) Patience
2) More Patience
3) by doing occasional surveys and lots of videos
I split the cost in half or better; I paid out of pocket when I got the G20s only about $7-8.00
and about $15.00 out of pocket for the R11s which was an even better investment.
Yes it takes a lot of time without actually playing the game but is well worth the time invested.
Hope this helps
G20s are medium/high but leaning to the high more then anything near your level at the moment. Longer yardage equals less shots to get to the green. Stick better then medium clubs that tend to roll out more; so you have to compensate for that as well. Precision on G20s is great; even missing the ding slightly I will usually get within 7-10 yards of the flag. And even much closer when dinged. This is were the forgiveness balances that all out. I usually look for a medium between the 2 attributes for decent clubs. Most importantly is the precision over forgiveness.