A Dremel with a carbide bit (Can be had off ebay pretty cheap), even better is a dremel with the drill press attachment. I have to admit I’ve been thinking of getting a cheap CNC router, then you can make the board and drill all with precision, there not cheap but there are some on ebay for 499, sometimes TQFP packages are fidgety on toner method, but that’s in the future.
If you are looking for really down and dirty and the circuit is really simple you can go really cheap a sharpie! You can use a sharpie to act as a resist for etching, or also get one of those really cheap engraver pens and just use that to remove the copper, no etching at all, but that’s for really simple boards.