I don't know how much we saved by using cloth, but it was substantial. I read once that if you do about 3 loads per week in hot water you spend about $100/year on gas and water. By the time we started potty training it was only 2 per week. I got almost all of my diapers as shower gifts, but even if we'd purchased them ourselves it would have been about $500. So for under $700 we diapered our baby (I didn't use disposables at all, even at night). He's now 23 months old and totally potty trained during the day. In only had 2 blowouts the entire time he was in cloth diapers, I have a whole set to use for our next children, I feel very good about the environmental impact we left, I never had to put any of that weird gel stuff next to his sensitive little butt and he's potty trained years before some of my friend's kids. I washed all the diapers myself and line dried them (so we didn't have dryer costs) and I found it to not be so bad as far as convenience. We used a combination of prefolds with covers and also bumgenius one-size diapers for convenience. However, for I also worked part-time until my son was15 months old and then went back full-time, so maybe I had more time than you. I think you have to do what you can.