Don't take up expensive hobbies if you are broke and can't use ebay.
Don't change armies regularly and expect to have lots..What happened to your orks (presumably bolstered by your fantasy goblins).I pull my hair out at 2 friends who constantly sell and then restock to only ever have the perfect 1500.. they've spent something like £800 basically in *maintenance* of 2 basic tourney lists.
If you want a V cheap army don't be afraid to bottom feed.. other folks in your area (you one of niges lot?) might have a pot of horrible disgusting and vile models they bought by accident or got stung with.. A lot of my tacticals actually came from people buying plastic glued models realizing their error and throwing them away and me getting them out the bin (kind of) It requires a lot more time and effort to make a model look decent when its been butchered and covered in nail varnish by some 4 year old..So put the word out that your the guy willing to put the effort in. Its still expensive, just in time instead of money.
Don't buy army specific, the chances of anyone throwing away stuff at VV cheap prices is much less with a currently competitive and not so overproduced army. Buy smurfs (theres always too many smurfs in the world).. then Kneadatite (green stuff but at much less than games workshop prices) -(and use your goblin wolfs heads on sergeants) to make them wolfy. Time instead of money.
Buy loads of weapons that are unpopular and sit on them for 3-8 years until they become useful (thats mine and ljundhammers secret I believe..although I'm still waiting for 2 of my 5 "investments" to pay off
)