Another vote for using Arista film, particularly Arista Premium, which is Kodak Tri-x, over brand name films, although arista.edu film is even cheaper. you have to order it from freestyle photo directly. a quick google will take you to their site.
Home developing is cheaper, and it is rewarding. It is not for everyone. If you are thinking about this route, be sure to ask plenty of questions and search the loads of threads here on the subject. It does take time, both to learn, and to do.
If you decide to keep having your film processed by a lab, comparison shop. Some labs are as cheap as three bucks for a 36 exposure roll for black and white, some are significantly more. A lot of labs don't even do black and white in house anymore. Also ask the labs about their scanning services, and ask about the resolution at which they scan.
Another way to save money if you don't mind waiting longer to get your results is to get a bulk developing discount. A lot of labs will give you a reduced rate if you are getting more than x rolls at a time developed. Granted, it means tossing finished rolls in the fridge until you build up a decent backlog, but you can save a few bucks that way.
If you want high res scans, a good investment is a light table and a loupe. That way, you can evaluate your negatives and then pick and choose which negatives you want to have scanned. Prices vary from less than a buck to fifty bucks or more, depending on film format, resolution, type of scanner the lab uses, etc. Even if you pay three to five bucks a frame, if you are only going to keep one or two shots off of each roll, it can be cheaper.
Every six months or so, take a couple of days and evaluate for yourself whether the quality versus price of a digital camera has reached a point where digital might be a better choice for you. In the long run, digital is cheaper for many, if not most, photographers. It has become cheaper for me recently. It still isn't cheaper for someone who shoots a 50 dollar camera with arista film and home develops with diafine though. It is a very personal decision, and one that is worth taking a look at a couple times a year.
The thing with scanners is that there is quite the learning curve to getting good scans from black and white film.
www.figitalrevolution.com is a good site for learning about shooting film, scanning it, and manipulating the images digitally.