I typically send my circuit boards to ITead Studio to have them produced since it is cheaper than ordering them from US companies. International orders can take a long time to ship..usually around 3 weeks. This can become painful if I find a mistake in my design and have to re-order boards. This is why I occasionally bite the bullet and have them made locally. One of the techniques I use to minimize the cost is to place multiple circuit designs onto a single PCB. The problem with doing it this way is there are no snap off tabs between the circuits like you would receive from a panel. There are numerous methods that a hobbyist can use to separate the circuits such as a Dremel or saw. I want a clean cut so using a Dremel tool is out of the question. Also, the material the boards are made of is toxic thus, it is not recommended you cut them out on a table, band saw, etc. A PCB shear will give you a clean straight edge and makes short work of cutting out the individual circuits. I have seen some individuals using a heavy duty paper shear but, I wanted something that was more accurate with a longer lasting blade. The shear is available from T-Tech. The cost is a tad on the high side but, it is better to spend now and save later IMHO.
Here is a picture of the PCB Shear: