I remember shooting through a roll of film 30 years ago where I did nothing but experiment with different shutter speeds to freeze subjects. Since I lived on a busy street I just photographed the cars driving by. My shutter speeds went from 1/1000 to 1s. The effect on moving cars is very dramatic. I also photographed water spraying and sputtering from a garden hose. When feasible, I fired a flash too. I learned a lot from this quick, empirically driven experiment. You can do the same thing and get instant feedback from your digital body. I had to wait a week until I could pick up my prints.
To counteract blur from unsteady hands, the general rule of thumb that says your minimum shutter speed ought to be 1/(focal length) works well. Shutters speeds on crop sensors ought to be multiplied by the crop factor. Our Pentax bodies have a crop factor of 1.5x so your minimum shutter speed ought to be 1/(focal length * 1.5). Now, if you want to freeze motion then your shutter speed should be even higher, somewhere from 1/250 on up - at least! - depending on the subject. A wobbly toddler who is learning to sit? Maybe 1/250 would be OK. A slow walking person from afar? 1/500th be enough. A fast running puppy or athlete? Definitely 1/1000!
When you bought your digital system you paid for every shot you will ever take. Click away and experiment. Use the feedback from the LCD and image preview on your camera. Experiment!
The hard part is not the cost. You've already taken care of that when you bought the camera. It's the time.