For PCT you need 3 weeks of S.E.R.M. therapy (clomid and/or nolvadex) beginning immediately after you stop the winny.
Here's your options:
40mg/day of nolvadex for 3 weeks
or
100mg/day clomid for 3 weeks
or
20mg/day nolvadex with 50mg/day clomid for 3 weeks.
Since you have financial issues, nolvadex only is likely to be the least expensive option.