Dude....How POOR is poor?
You could drive down to Tampa, catch a Carnival cruise for $599.00 for a seven day Western Caribbean and dive Grand Cayman, Coz, Belize and Roatan on a single trip.
I live in Maryland and that was a serious consideration for my last trip and will probably be my next trip and I'm as poor as a diver can be.
For what it cost for lodging in Coz, you can take the cruise, eat great meals and get to dive 4 great dive spots.
You have to admit, it sure does sound sweet to hop on a boat...chill for the day, have a few nice meals, maybe a movie or lay out on deck, drink in hand, admiring the beauty of the sea, go to sleep, wake up, have breakfast while the boat docks,hop off, go do between 2-4 dives, go back to the boat, have dinner, being exhausted from the great diving, you'll drag your butt to yout cabin, crash hard, wake up and do it all again in a place equally as nice, then again the next day and the next.
Then spend the last day relaxing and cruising back to tampa.
Man, does it get much better than that....on a budget?