I paid around $400 to apply to fourteen PhD programs, as I was able to get fee waivers for all but one program.
So, you don't need to put aside a lot of money to apply to a decent number of schools; what you do need, in a timely manner, is the requisite documents (e.g., an official letter from your home institution testifying that application fees would be a financial burden) to satisfy being a recipient of a school's fee waiver. Once those documents are attained, applying to grad schools needn't be financially burdensome.
I can give more specific advice if you PM me.