which espresso machine do you have?
This is probably my fourth full automatic espresso machine, definitely the best I've owned. Amortize the price based on how much coffee you drink (I drink 4 a day) and cost of coffee shop vs machine + beans. Factor in well used machines probably last 3-5 years and then they do need replacing.
I make a personal rule that I only buy $$ coffee from coffee shops if I'm wanting to sit and work/meet (less likely these days) or if I'm really on the go and need a pick-me-up. Otherwise I make a latte on the machine and bring it with me in a vacuum container when I am out and about.