What do you use to make materials?

Hey guys, so ive been involved in media generation for a while and I come from TouchDesigner. I have recently been looking into making my own materials for my models. I have seen Substance, and MODO both which look amazing, but the current price point is beyond me. I was going to ask what programs you use to make your materials, and UV’s.

Best regards,

Substance isn’t very expensive, are you only looking for free programs? If so then your choices are pretty much just Blender and Gimp