Hi Greg,
There are several mailers out there that offer great incentives, and
opportunities to earn commissions, albeit less, even as a free member.
In fact, I have noticed quite a few Safelist Owners here that have great sites.
Instead of pin-pointing any particular favourites,
I would suggest you utilize the mailers you do join to their full advantage,
by joining their downline builder, and adding your banners and text ads.
Also, save up some of your credits to send Solo and Log In Ads,
rather than using up all your credits for a regular mailing.
I think you will find you will get more "bang" for your credits.
Your current financial situation may not afford you to spend much,
but, Time is on your side.
Just add dogged determination, and focus on promotion!!
Good Luck!