Frankly, if you're doing cloth to save $, the least expensive option is prefolds and covers, and not AIO or fitteds. AIO = most expensive, fitted= in the middle, prefolds = least expensive. I would say to post something on Freecycle or Craigs List. Also, buy used instead of new. Stay away from 'fancy' materials like bamboo, or organic, as these tend to up the price--stick to cotton for the absorbent material, as it's tried-n-true.
I bought my covers mostly used, or I bought new "seconds" through Prorap Diaper Services (contact: ProServices 1-800-397-8594). They sell excellent new prefolds ($1.50 to $2 each, I think, by the dozen), and "seconds" of covers ('second' quality due to cosmetic things like the wrong color thread) for $5.25, I believe. I use diaper pins, which I found at Meijers box store (Meijers also had Gerber prefolds, but they are not as thick/absorbent as the diaper service prefolds/Chinese PF or Indian PF).
If you have anyone among family or friends who sew a basic zigzag or straight stitch, have them sew prefolds for you from either new flannel (double-napped, also called diaper flannel, is best) or from recycled materials (like flannel receiving blankets, old 100% cotton t-shirts, old/holey flannel blankets, etc; a good source of material, can be used flannel sheets at the thrift store).
Wool sweaters can be sewn into covers (often called "soakers"), as can good, dense microfleece (I've heard the fleece at the fabric stores doesn't work as well, so you might want to go to the thrift store & see if you can pick up a good-name used fleece pull over for making them, or order the Malden Mills). For wool, wash the sweaters in hot water in the washing machine to "felt" them (this makes them denser and more waterproof), and then wash with a little bit of soap mixed with a little lanolin (like the Lanisoh lanolin for breastfeeding) from the store to make them (mostly) waterproof. Wool will need to be hand washed in wool-safe soap (like Woolite), which doesn't strip the lanolin as much. You can re-lanollinize them again if needed. However, wool is naturally anti-bacterial, so you don't need to wash it too often unless it gets poopy.
I have a list of free online diaper pattern sources--send me a message if you want it. I used the Mama Byrd pattern, but I've heard good things about the Rita's Rump Pattern (which is a one-size adjustable fitted diaper).
On another note, go over your finances, and see if you can apply for WIC assistance if $ is tight. Also, a lot of churches, etc. will give clothes/food, without proof of hardship (unlike the govt/WIC).
Good luck, and G-d bless!
Edited to add: in terms of laundry, I've been washing about 2 extra loads per week since the kiddo was a little one (we used diaposables for the first 2 months). I use Charlies Soap, which is economical (esp if you buy the largest container), and I do it like this: 1 cold rinse, 1 hot wash & rinse cycle, 1 extra rinse. I use only 1 T charlies soap in the laundry. For drying, I hang them to partially dry, and then run them through 1 cycle of the dryer (we have laundry lines in the basement). If you don't dry them in the dryer, they feel like cardboard, and I couldn't bring myself to put that on my poor baby's bum! :)
If you don't want to buy Charlies (which I actually use for all our laundry) or similar (there are a couple others that are supposed to be good, like Allens Soap), try getting the cheapest powdered detergent and using that, with an occasional wash with Tide. Avoid liquid detergents and the "free & clear" detergents for diapers. And DO NOT use fabric softener liquid or sheets--these coat the diapers and make them less absorbent (defeating their purpose). Occasional "stripping" with Dawn may be need (google d "diaper stripping" & "Dawn").