I too am retired and find that money just does not go far enough. There still are the 'free' designs which are the designs with the icon on the lower left of the free design section.
I personally just created a personal site for myself and am starting to understand why the free items seem to be drying up. It is not cheap to do a good site. I know one site that is now asking for $80 per year or you cannot even post, and it too was free some time ago.
My new site is helping me financially. If you find that you may want to sell some of your work, consider going to Etsy. You can see (one of my sites) at: http://abrideseyeview.etsy.com I am starting to make money at that site. People still get married and have babies despite the economy. There is room for more embroiderers because it is a place to sell and buy great things. You can see the other embroiderers at Etsy via a search. Many of us are making extra (and some a LOT extra) money.
Pat, The Avid Embroiderer
If you are interested in selling your projects, you can determine your costs and profits quickly with my Spreadsheet.
If you want a lot of great information on working easier, faster and more confidently on your computer, check out my Tips and Tricks.
If you want to see my pashminas (that I successfully sell retail) check them out here. I also wholesale them.