You know, I have also been broke lately, so definitely not smoking as much.
When I have dough, though, I find I smoke far less when I am rolling my own. I also find them way more satisfying. When I have ready-mades, it's to easy to whip one out and another and another. Rolling takes more time and intention. It also means no nasty stale butt pocket trash or litter (save your snipes in your pouch to reroll later).
If you roll, go for the better quality tobacco. It stays fresh much longer, which amounts to a better bargain overall. Of course, that depends on how fast you're plowing through it, but the Top/Bugler/Pipe tobacco stuff just turns to dust after a few days. Drum is my favorite when I can find it. Super moist and fragrant and comparable in price, oz for oz.