First of all, if you cant visit a doctor to investigate this condition and are "low on money", why on earth would you be thinking of getting pregnant? Prenatal care is vital to a healthy pregnancy and a healthy baby.
Also, who is going to purchase ALL that a new baby needs if you are so strapped for cash.
My suggestion to you is to care for your health.
There are county clinics who see patients on a sliding scale.
Find out if you are healthy enough to concieve.
Then you should think about how you are going to provide for your child.
You may have a vaginal infection or it may be serious.
You need to take care of your health and finances before bringing a baby into the world.
They are indeed precious but EXPENSIVE! Good luck to you