Hello. I agree if you live near a bread type outlet, you could save money, but not on your health. Most of these sell mostly refined white flour products which have no health benefits at all. Even when it says whole wheat, it is not 100% stone ground flour.
Anyway, I have found that I can get my bread cheaper by milling my own grain and baking my own bread. You can buy grains through a local co-op in bulk and then mill and bake your bread. You can cut the cost of buying per loaf even more and get the maximum health benefits for your family.