Watch the craft stores for sales, the prices can be fairly competitive then. There is not just one place to buy everything, unfortunately. Sigh.
Check out Artbeads.com, also Rio Grande.com
Artbeads offers 20% off every so often, so sign up to get their emails. Usually there is a 10% off coupon on line, and a 10% off coupon included with an order.
I have arthritis in my hands, but can work all day with Lindstrom pliers. Get the best tools you can afford. I'm certain others will have some good ideas for you also.
I don't buy gems or pearls from these companies, though.