Welcome!
I switched my son to cloth just a few months ago, so I know what you mean about how daunting the up front costs can seem. I'll agree with everyone about startng w/prefolds, since you can get a bunch cheap and stop spending all that money on disposables!! And I second the recommendation for Granitesmith on ebay, great mama to work with! Then I'd order a sample pack before spending a ton of $$ on one type of diaper. I got mine at
www.diaperware.com and it was a great way to try out a bunch of types of diapers!
I was so intimidated by prefolds, that I actually went straight to the sample pack, then ordered some HappyHeinys. But now that I have them I love them (although not as much as some of my favorite fitteds...Fireflys & Elbees).
Also, I know that there are a few WAHM stores that offer layaways plans, but i'm not sure which ones...maybe one of the other mamas could help?
Also, once I had a small stash built...I started putting aside the money we would be spending on disposables so I can keep buying dipes until I am happy with what I have (LOL, Like that will ever happen
)
Anyway...good luck! You will love making the switch...I sure did!!!