When will affordable commercial space flight be available and how affordable are we talking?

I love space and love to think that one day I could possibly travel there but I don't know when that could happen or if it will even be in the realm of possibilty for me finacially....

Could we build a base on the Moon?

I've seen a few articles about us working on a moon settlement or something. Is that possible? I feel like there's a lot of hurdles that would need to be fixed first. ...