If money is the main obstacle then self study is the way to go. I passed the A+ last year through self study and was glad I took this route.
With regards to the A+ exam be aware that there are currently two versions of the exam.
There is the 600 series (220-601, 220-602, 220-603, 220-604) which will be retired on 28th Feb 2010 in the US.
Then the current version which I presume is the 700 series (220-701, 220-702) has no retirement date.
The objectives for the current exam can be downloaded
Here
There is also a new version of the book almightybunghole linked you to,
Here is the link to the new book.
I used the Mike Meyers All in one and found it to be an excellent book, very informative and not too dry a read considering it is an exam preparation book. Like almightybunghole I also used professor messer’s site but I obviously watched the A+ series. I found they complimented the printed material well and was nice when I got tired of reading. Again be aware the A+ videos on the site are for the 600 series exams and will not cover the new ones, although I expect a lot of it will still be relevant.
When I started self study I came across a great site with lots of information and a great bunch of people.
certforums. This is a great site if certs are your thing.
Good luck whatever you do

gez