Breastpads- I only have one set of cloth so far. I'm the same as the other poster, I am such a super-soaker when my milk lets down, it's HARD to do cloth, it just can't stand up to the quantity. But....I hadn't know the joys of wool back when I had my last, so I'm going to try a few wool ones and see if they work before I resort to disposables. I hear ya about breaking the bank! Hopefully, I can just make them myself.
For mama pads, I'm making them and have already started. For the first day or 2, I will probably do disposable because of the mass quantity of blood, but ONLY in that first day or 2. I made some WindPro bases and will do Hemp/Fleece snap on pads with them. I'm hoping to get about 18-24 made up before the baby gets here of the pads. I've already cut and serged about 6-8 bases which IMO will be enough. With that style pad, I expect to change the base every 3-5 changes of the pads, so hopefully only 2-3 bases a day.
I do have one Hidden Pearl Creations PostPartum pad, and it looks awesome, I just can't justify spending money on pads when I can make them out of the scraps that I already have from diapers!
ETA: I also noticed that my Kissaluvs Super Boosters are almost the exact same size as a postpartum pad, if it comes to it, I'll stick those babies in my undies! I have a TON of them. I had a website that I closed down, and I literally have about 60!