I can't offer help, but I totally sympathize! We have two kids, and DH and I talk about adoption periodically. Money is really an issue. Isn't it horrible that there are children in orphanages (internationally) and great loving families, but the two can't be matched because of money and politics? Totally frustrating! I don't know much about it, other than internet searching and fantasizing, but it seems that newborns are usually only available in the U.S., and the cost is incredible. The international adoptions seem to often involve older babies and kids.
We'd be happy to adopt an older child, but it seems so terribly complicated and expensive. I hope someone else here will chime in with a success story!