$99 a month is just plain awesome. Before I joined my club, I was dropping $10 per bucket at my university, and that was the student rate to stand shoulder-to-shoulder with a bunch of guys spraying me with their divots and talking on their phones. I found a nice course with a great junior rate-$195 a month until age 41, and no initiation fee. Free range balls and no charge to walk, which I prefer to do anyway. I bought new irons this year, and may be buying wedges and a hybrid.
So about $200 a month on range and rounds at my club, maybe an extra $45 if I go play somewhere else. $14 on a glove about once a month, $30 on balls (I buy Pro V1 practice balls at $30 a dozen, saves me about $20 a box), and since my course is only about five minutes from home, I've saved on gas from when I had to drive to the school and courses all over town. Irons came in at $860 after tax, but that isn't a charge I'll need to see again for a few years now.
Once you buy a house, if you have no plans for the garage (or basement), a good friend of mine spent about $1500 and turned his garage into a practice facility. He has nets up for full shots, a putting green that even has a few swells in it, and a few different lengths of turf.