This forum sure is an eclectic collection of folks when it comes to budgets. Some threads talk about electronic devices and phones that cost hundreds of dollars as though they are buying a candy bar. Then there is this where it is very limited. Just an observation about the diversity of the group.
If you can make your whoopies, you will save a bunch of $. Without the sewing machine, straps will be difficult to make. Get a cheapo foam pad for some insulation under you or the dollar store windshield reflectors for the interior can make a big difference. The k-mart blue tarp as well offers some inexpensive protection. Occasionally you will find a sleeping bag to use as a TQ at Goodwill or some other variation there of.
Site selection will be important as the tarp will not take a lot of wind. Most importantly, just do what you gotta do to get out there. We all start somewhere.
I remember fondly my early canoe trips 40 years ago with my gear in garbage bags as my "waterproof" packing. It truly is the journey.
The World is my country, all mankind are my brethren, and to do good is my religion.