For awhile, just draw. Do it without judging yourself. Get the feel for what you are doing.

You don’t need money to draw. There are literally thousands of websites and video tutorials about drawing, painting, and anything else you want to do.

The library is a great resource for books. Ask the librarian about drawing books, and if you have specific ones, they can often find it at another library and order it in, or provide you with a list of books they can order in.

I often use pictures from books, or other artist’s work to practice.

Having a bus ride every day seems like a good opportunity to practice.

Seconding everything gottawonder said. The important thing is just to start, to do it, to not compare yourself to others, and continue. Be sure and keep your first drawings, too – you’ll be amazed when you look back and see your progress!

This site has a lot of tutorials, and many of the topics are what would be covered in an intro to drawing class: http://www.drawspace.com/ if you don’t like that one, there are plenty similar.

Drawing on a train could be an awesome way to draw from life if you’ve got much of a view and can sneakily draw the people around you. If that doesn’t work, I’ve pulled up pictures on my phone – or in books, as gottawonder says. Or just doodle. Even that gets you used to the feel of a pencil (or whatever tool) in your hand and the sorts of things it’s capable of.

The only thing a class might offer that a book wouldn’t that I can think of is demonstration (YouTube has tons of drawing vids) and critique/community (there are forums and places online for this, too – places to get advice or ask questions). There are plenty of incredible self-taught artists. The main thing is just to do it: you’ll find most of your learning comes from that.

Good luck!