Calzone, agree about how much cheaper it is to use fresh yeast, and how much better the bread is by hand!
But you over-estimated the price - fresh yeast isn't 90p for 4-5 loaves. I pay 99p for a block of yeast from Sainsburys, which gives me at least 100 loaves (approx 1 1/2 lb size).
Agree also that you don't need butter or sugar in bread. Even in breadmakers you don't need the fat or the dried milk powder and you only need about a quarter of the sugar they suggest - use the full amount of sugar and it's really foul I've always found. And about half or less of the salt recommended and half of the yeast recommended. So cutting costs all the way!
I've actually used fresh yeast in a breadmaker, despite the dire warnings that this won't work, and actually it works better than the dried stuff. So my costings work out really well - only flour, water, tiny bit of salt and not much yeast. If using dried yeast in a breadmaker, tiny bit of sugar too, if by hand no sugar needed.
Hand-made bread is still heaps heaps better than breadmaker bread though. Although if you're used to buying supermarket bread, I suppose breadmaker bread is better than that.