Photoshop Actions, Overlays, and Textures for under Twenty-five Dollars

I keep seeing all these wonderful online ads about textures and lately, Photoshop Actions and Overlays that you can purchase and apply to your photographs to turn them into works of art. Due to cookies and other forms of internet magic, these ads keep following me around, teasing me and tempting me! The results shown in these ads look absolutely beautiful and the products seem like they'd be fun to learn. Until I see the price tag, that is. These products may or may not make my photos beautiful, but one thing for sure, they can be prohibitively expensive. So I want some certainty before I buy.