OK lets add up the costs so far...

Web Host = $4.95
Domain = $9.95
Joomla! = FREE
Template = $45
phpBB = FREE
JFusion = FREE
Membership = $99
Classifieds = FREE

That's it. With a few weeks of your time and less than $200, you could have a professional looking and functioning membership site. I can't make it any easier, cheaper or more powerful than that. If you haven't used Joomla! you owe it yourself to find out what it's about. It's the most powerful CMS out there with a mature library of extensions that allow you to build whatever kind of site you want without the programmers, designers or big fees.

If this article helped you then pass on some gold.
Cheers!

Kind Regards,
Brad Hurlbert