We have an outstanding forum regarding writing technique (Jan's Writing Lessons). Well worth checking out.
And I do understand your hesitation to spend money on editing, but I shudder every time I hear someone say that. Of all the things you invest in when it comes to your book, editing is the absolute number 1 must do. Cover design is next in line. English majors will get the grammar and typos, and may even get some structural elements, but there's no guarantee. Structural editing is part learned skill and part instinct.
Of course, it's your decision, but with the door to publishing open these days to just about everyone with access to a computer, the market is being flooded with books published before they are ready, and the readers aren't slow to voice their opinion in reviews. My heart breaks when I see something with excellent potential spoiled in this way. You might be one of the exceptions, and I hope so, but even the very best authors are edited for structure.
I guess my question is whether, if the finances are tight, you would be better exploring other options for publishing your manuscript. If the book is something you believe is fresh and has strong publishing potential, then start looking into traditional publishing options. If you just want something to be able to take with you when you minister and sell or give to a small group of people, I guess it doesn't really matter as long as your friends have caught all the grammatical issues.
You mentioned that you are a new writer, and that's great, but I do recommend slowing down a little and developing your skills before rushing into print with your first book. There's no shame in that. It's simply allowing your understanding of the craft to catch up with your passion to communicate.
Anyway, I do wish you well, and encourage you, at the very least, to find a critique group. In other words, a small group of fellow writers who will work with you, as you work with them, to share feedback and input on each other's manuscripts. It may slow down the process, but it could be worth the wait.