And you can reload on a budget, I still have a .380 Lee Loader I bought years ago for $10.00. It's slow but if you don't shoot many rounds its fine.
Save even more money and cast your own bullets, the 22 bucks you spend on a 100 bullets will buy you a mold, scrounge the lead from the tire places and garages in town, or salvage it from your range.
I started reloading on a shoestring, a set of Lee powder measures, one can of Bullseye powder, a couple hundred primers, and a Lee Loader. Total outlay was around $30.00 at the time.
Check your local gunshops for second hand dies, my LGS has a box in the back where he sells loose dies for $5.00 a pop. So, adding the .38 to your reloading is a simple matter of adding another set of dies, you already have the powder, the primers, the press, etc for the .380. Maybe even the bullets if you use heavy for caliber projectiles. But, for a .38, you're wasting money if you don't cast your own, you can make 4 boxes of ammo from under 5 lbs of lead (158 grains) and that's the major cost in reloading.
How would you like to shoot a 440 grain bullet in a 500 S&W for less than 15 cents a round?
I do.
How about your wife's .38 or .357, feeding it with ammo that cost less than a dime a round?
You could.
You could reload and find that not only do you save money, you shoot three times as much as before.
And, here's the kicker. You always have ammo. Doesn't matter what the hoarders do at Wally World or what they gougers are charging, you always have ammo.
YMMV
Dan R