Oh yes, I have! I built a SIG Kadet Mark II from a builder's kit (sticks and sheets and that's it).
The approximate build time is 60-80 hours for a beginner. I've been told I'm a perfectionist and I am exceedingly careful, so along with school and other things, from date of purchase to build complete took 4 months, working only on weekends for 11-12 hours a day. 2 months to build the frame up, and covering took another 2, which for covering is not a normal time. I also opted for the more complicated and difficult construction methods given in certain parts of the plans to achieve a more rounded and neat look, so you can shave time by skipping parts like this. The Kadet is also a serious old-school trainer plane, slightly harder to fly but is more capable than the current de-facto trainers. A picture of my plane:
and I think you can see why covering took so long, I had to first design the patterns, then make them, then cut out the pattern from the covering material, then iron it on while making sure the surface was perfectly smooth and bubble free, in addition to making sure the multiple colours didn't overlap too much at the seams.
Here's a little look at the costs:
$120 for the plane, $240 for a 4 channel hi-tech radio with servos and receiver, $160 for a 0.4 cu.in. Webra racing engine (too much power for a trainer, but it can be used on the inevitable second or third plane you absolutely *must* have for no reason
), $60 for three coloured rolls of covering, and I'd say $300 for miscellaneous (a veritable TON) items, such as propellers, push rod linkages, exacto knives, blades, cyanoacrilate, aliphatic resin, wheels, nose cone, rubber bands, and the list does not end.
Good luck, and I hope you enjoy it, for I truly did.
[edit] On the jets, forget it. Your parents will probably laugh at the price, which is near the $10000 mark. These are reserved for those who truly know what they are doing. Highly explosive fuel, 7-10 channel radios, digital servos in redundant numbers, exotic construction materials, and so on. Everyone wants one, but it takes dedication and skill to get one in the air. This hobby is also a money pit
. Total I would say that I've spent would be close to $2000 CAD, which is serious money. You can do it on the cheap if your plane isn't to fly and just to build and sit pretty.