i have the same problem. Me and my friends are moving int oan apartment this summer, and we are all in College, and i am bursting with ideas for the ol SX. But i am going about it this way:
Save and save and save while living in the apartment, and plan plan plan while in the apartment as well (I already have my plan worked out into 4 big phases <img src="http://www.zilvia.net/f/iB_html/non-cgi/emoticons/biggrin.gif" border="0" valign="absmiddle" alt='

'>). Then when you end up renting /buying a house with a garage, you will have detailed plans ans info and money to help you get the project going the right way!!
Oh, and lots of CAR porn to subside the need while in the apartment <img src="http://www.zilvia.net/f/iB_html/non-cgi/emoticons/biggrin.gif" border="0" valign="absmiddle" alt='

'>
Tyler