Check with your insurance provider some cover all or part of the cost of a vasectomy!
The cheapest non-hormonal method for family planning is Fertility Awareness (well, other than abstinence, but you will probably "pay" for that in other ways :). Reading Toni Weschler's Taking Charge of Your Fertility is a great guide to learning about your cycles and monitoring them.
Then there are barrier methods (condoms, diaphragm, cervical cap). Cervical caps are one of the least effective methods, especially in women who have had children already. I am sure you are familiar with condoms. Diaphragms are not very common anymore, but are the best option for some women. Not the highest rate of effectiveness though; I wouldn't feel confident using one if I was really done having children.
Copper IUDs (Paragard) are a great option, they can be a bit pricey up front but last 10+ years so in the end are very economical. Check with your insurance provider, they may cover all or part of the IUD.
Permanent methods for you (Essure, tubal ligation) are often more expensive than vasectomy, so I am guessing those are not an option either. Besides, the fact that they are more expensive, they are less effective than a vasectomy, and at least with the tubal ligation, more invasive, painful and higher rate of complications.
I don't have personal experience to share, but i plan to get the copper IUD soon. I have 4 kids and think I am done, but I like having the option of changing my mind if I want. It is very effective and hormone free.
Not a ton of options out there, hope you find one that works for you.