Not many scratch built models, - Just about all are built up balsa kit models! - expensive!!, - makes you a nervous flier!

Flyingrogin post #53 has the right idea, a foamie covered with parcel tape ( good with flat thin wooden spars top and bottom on the wing and fuse sides), - no expense at all, and not much chance of it being written off.
( also extremely easy to repair when necessary). I learnt on a variant of this, and yes, I crashed, and crashed again, but it's still flying today.

Kids, you don't need to spend all your hard earned paper round money on expensive kits!

The Spads seem great too, but people say that the coroplast tends to warp in the sun ( especially sitting in your car), also they tend to be a little heavier, and therfore faster. ( maybe I'll be corrected on this).