Phil,
I think you're missing the point. I mentioned my website is full of detailed care information (free) - if you haven't checked it out then you should since all the questions you are asking are covered along with photos and diagrams etc.
To be frank if finance is such an issue right now and you cannot afford a basic care requirement then maybe you should reconsider taking then on. It will cost you money to continually feed them, replace UV lights in the next 6-12 months, replace sand when needed. And what about veterinary care if the need arises - which can be sudden and without notice or time to save up. My concern is solely for the health and well-being of the reptile and while these kind of decisions can be purely emotional based that doesn't serve the reptile well in the long term if their needs cannot be fulfilled.