This might be a silly idea, but the marginal cost savings of bulk loading are actually pretty slim when you start calculating how long they take to cover the price of a bulk loader. But if you could get free cartridges from a local minilab, and could eschew the bulk loader, there would be instant savings, other than the risk of ruining a big roll of film through clumsiness. It would seem possible to open the film can, pull off a meter or so of film, cut it, then tape it to the cartridge and wind it up, all in total darkness. Yes, this is extreme cheapskate territory here, but it seems with some clothespins, tape preparation, etc it might not be that bad.

