Hi Michael,
I'm a new member here, but I've been making knives for a couple years; mostly by stock removal, but now I'm getting into forging them. From the beginning, Harbor Freight has been my friend. The tools aren't high-end, and you can tell from the feel that they aren't the kind of thing you'll have long enough to pass down to your grandkids, but they have done the trick for a beginner like me.
Three tools that have been really useful to me are these:
A 4" angle grinder. Cheap (around $20), and a lot of help when cutting out blanks and doing some of the initial VERY rough shaping of the bevels.
1"x30" belt sander. It's no high-end belt grinder/sander, but I've used it to make a few dozen knives, and for about $35 it can't be beat. I use a variety of grits to grind and refine the bevels on my knives. I don't use any jigs, so I've had to really pay attention to my posture and hand positioning, but it has worked for me.
$20 propane weed burning torch. I learned early on that I couldn't afford to send off every one of my knives for heat treatment, so I studied up on doing it myself. Before I built a gas forge, I used this propane torch for heat treatment. I would aim it into one of those charcoal starters (looks like a big coffee can with holes at the bottom) to create a concentrated area of heat, and I clamped my blade in a pair of vise-grips to hold it steady in the path of the flame. I used vegetable oil for the quench and I tempered in the oven in my kitchen. (I even tempered a couple blades in the oven while the wife was making Thanksgiving dinner -- good thing the turkey cooks at 350 degrees.)
Only now that I'm forging have I learned the value of draw-filing. It's a great way for me to keep flat areas flat, and to remove a lot of material if necessary.
I'm sorry to hear about your lean times. I know it feels bad right now, but from the way you're attacking this knife project of yours, you seem like the kind of guy with the gumption to land on your feet.
Like I said, I'm a relative newcomer to this knifemaking stuff, but if I can be of any help. I'll gladly help any way I can. (And if I go so far as to give advice, be sure you verify it with another source...I'm not so sure of myself that anything I say should be taken as the final word

)
Good luck to you! I can't wait to see how your knife turns out!