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To start your prep for IAS exams without any coaching and free of cost here are some pointers you can follow :-

1.Understand the exam- To get started with IAS prep, first grab the official UPSC syllabus for both the first exam (Prelims) and the main exam (Mains) from their website. Understand what you need to study and how important each topic is.

Next, learn how the exam is set up. There are three parts: a multiple-choice test (Prelims), a written exam with long answers (Mains), and an interview. Know how many papers are in each, how you get marks, and how much time you get.

Finally, look at old exam papers from the last 5 to 10 years. This will give you an idea of how tough the exam is, what kinds of questions they ask, and which topics you should really focus on.

2.Build a strong foundation-Begin your IAS study with NCERT books from classes 6 to 12 for subjects like History, Geography, Civics, Economics, and Science. These will give you a basic understanding. Once you know the basics well, switch to standard books for each subject. You can find lists of recommended books online from people who've cleared the exam. Some popular ones are mentioned for Polity, Economy, Modern History, and Geography.

3.Stay updated with current affairs- To stay updated for IAS, read a good national newspaper every day (like The Hindu or Indian Express) and jot down important news from India and the world. Also, read magazines like Yojana and Kurukshetra to understand social and economic topics deeply. Check websites like PIB and those of research groups for info on government plans and reports.

4.Utilize free online resources-For IAS prep help, check out websites like BYJU'S, ClearIAS, and Mrunal. They have free study stuff. Also, watch YouTube channels by teachers and ex-IAS officers for tips and lessons. Join online groups to ask questions and learn from others preparing for the exam.

5.Mock tests and self assessment-Take free practice tests online for both Prelims and Mains to see how ready you are and what you need to work on. After each test, check what you did wrong and focus on fixing those things. Remember to study regularly, believe in yourself, and take breaks so you don't get too tired. Consistency is more important than studying for many hours at once.

I hope this helps . Financial problems can never stop one from dreaming and achieving things in their life. Stay motivated!!!