Please don't take any offense to what I'm about to say, but it's important. If you don't have the money or the means to provide the animals in your care with the products and the environment they need...it may be time to consider another hobby instead of fish keeping. There are things they require, just like a dog requires food, shots, flea meds, etc...
We'll help you all we can, but ultimately the responsibility falls to you.
I'm not sure if your water conditioner detoxifies ammonia (which is what we're looking for). Read the bottle and see if it says it neutralizes ammonia and/or chloramines.
A cycle can take anywhere from weeks to months depending on numerous factors.
I know you said you read it, but glance over the article once more. It covers all the info.
The key is going to be water changes. There is no such thing as too many water changes. As I said, I would do 50% pwc's every day until you have the ability to get your full water parameters tested. Many pet stores will test the water for you...but it is vital to have a quality, liquid test kit so you can do it daily for yourself.