If you’re on a tight budget you better research and figure the expenses accurately or you’ll find yourself financially behind the eight ball. A very bad thing in this already stressed economy. You can shave expenses if you’re lucky enough to have one of these ‘dos’ in your city. So investigate that first. It's a good first choice in any case.
When I began writing I was extremely shy. If that’s the case with you, it’s something you need to work on. You might consider starting with local writer’s groups or attending some classes at a college nearby. Talk to strangers on a bus or at the super market. Talk to yourself in a mirror to see how you appear and work on relaxing. Whatever it takes to help you open up a bit. Writers are generally a friendly lot and I've yet to hear of one who bites (at least in public). But jokes aside, shyness is tough to overcome.
You cannot be a writer these days, hide in a corner and expect your words will be enough. They won’t.
I recommend you do the same (not necessarily at a dude ranch – perhaps at a ball game or a mall or a grocery store or a local writer's group; or perhaps take a speaking class at a local college) – and do it before you decide to attend a conference that’s costing you a lot of money. Unless, of course, you’re feeling very brave and want to toss yourself into the deep end of the pool and learn while you're there. Just remember to push yourself, but be patient with yourself. You CAN work your way through shyness to a better place. I did, other writers I know did. You can to.