http://cgi.ebay.com/Kryptonite-31-lo...d=p3286.c0.m14
I have this and it seems like a suitable lock. probably about 30 bucks at your lbs.
you think you can't afford a lock, but you can afford to replace you bike if it's stolen? times are getting desperate out there, people are turning towards more illicit ways of getting money. even if they won't steal your bike to pawn it off, they might take it because they can't afford their car anymore.
and if you live in a nice area, it's usually only a bus ride away from a place that's hard-up for cash. people in need aren't gonna take crap stuff from people also in need, they'll go where the nice stuff is sitting around unlocked.