J.N.
I took Zoloft because that was the one my doc recommended due to the fact that i wanted to get pregnant and needed the medication too.
If you can afford it, I'd try to find a psychologist who is able to do a sliding scale - just being able to talk to someone is helpful and a lot of docs are willing to work with you, if you let them know that you have financial issues. Can you talk to your priest/pastor - "spiritual leader"? That might help too.
Also, it doesn't take a lot of money to get out once in awhile. Most the time when I go out I splurge and get a cup of tea or something small and journal....that helps a lot. Or just journal a bit while my little guy is napping. Sometimes, I'll just sit in the car at a park and just let my mind wander because I really don't want to do anything!
Just a few ideas that have worked for me. We don't have a lot of extra money so I can't always spend a lot, but just getting out and away from home does a lot for the soul.