Also, Primal Wear has "attic" sales and factory seconds that you can look into. I bought a LS jersey from Primal for $35. (www.primalwear.com) Also, try some of the off the wall places, like ClifBar Jerseys for $35. I'm in the same boat you are right now - kinda broke but trying to build a biking wardrobe! I have tried ebay - but I'm guessing I'm 'ebay challenged". I can't seem to figure out how to move around in their site! (yes, I was a blonde as a child!) Also, keep on eye on your LBS and let them know your shopping. Sometimes they'll call you when they're having sales.
Life should NOT be a journey to the grave with the intention of arriving safely in an attractive and well preserved body, but rather to skid in sideways, champagne in one hand, strawberries in the other, body thoroughly used up, totally worn out and screaming: "Yeah Baby! What a Ride!"