I'm a bit like tempestteacup and am new to the game, but I do remember reading somewhere that money, as well as perishable found items should probably not be left in caches.
I'm a student too, and know what it is like to be strapped for cash.
I know you don't like nano's but seriously if you want to place caches then they are the way to go for cheap. My 30 caches that I have ready made to hide (or give to friends to hide) cost me $3. Thats right, 30 caches for $3.
How? No one uses 35mm film containers any more (well not everyone) and the pharmacy's and photographer's here just give them away because they are taking up space. I print out nano logbook writeup's from the website, and cut them up into strips with blank paper to make logbooks and staple them. Then I put them in tiny snaplock bags, with desicants that I have asked stores for, they just throw them out. The snaplock bags are the most expensive thing. You don't have to put pencil's in if you don't want to, and so no pencil sharpener either. You just state in your listing for the finder to bring a pen, a lot of cacher's probably carry one.
A logbook might cost you $1, but if you get the card covered notebooks you can cut them in three, three tiny logbooks.
If you put things in snaplock bags then the quality of your container (though you want a watertight one!) isn't quite as important.
I hope times get better for you, and maybe if you think outside the box it might be a bit cheaper too. And sometimes slightly odd caches are worth the trip or the difficulty of the find if its not in the greatest location.
Most of all, have fun.