ahhhhhhh! i understand.
funny thing, i've noticed-- there are some people who are really thrilled at the idea of being a model and would probably do it for free. especially if you're just taking photographs and they don't have to sit with you all day.
antagon i think works with a model for his photos, a girl with green hair. she has these nice fleshy arms and beautiful skin. i'd like to find out how he talked her into posing-- i don't think with money.
i'd look for people with tattoos, bright clothes, lots of jewelry, etc--they're already saying "look at me" i'm sure many would be flattered by such requests. add a bit of alcohol to yourself and i'm sure you can find a model for your photo studies. though getting volume to show up in photos can be a pain sometimes.
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ETA: here's a good candidate:
