Hi Tammy
OK, well we'll rule out an all eco-complete substrate from the start I guess because of it's price, so I think the most cost effective way of getting what you want would be to go for a two layer substrate, using a cheap substrate for the base layer:
1. Gravel sized substrate
Get some cheap 3-4mm grade pea gravel and mix it with a substrate fertilizer (I used Florapol) to form the bottom layer.
Now add Onyx gravel (black) as the top level substrate.
N.b, In the literature it says Onyx gravel has a buffering effect on the water, so if you are already in a hard water area, you may not want this.
2. Sand based substrate
For the sand substrate you can't really put sand on top of gravel, because over time the gravel will rise to the surface, so I would suggest:
Base layer = Play pit sand (from DIY shop, but wash it well) or Silver sand from Aquatic shop
Second layer = Layer of Fertilizer
Top Layer = Tahitian moon sand or Onxy sand
I believe Tahitian moon sand is inert.
With a sand substrate it will need a bit more maintenance to prevent compaction and anerobic areas forming (it'll need loosening up every few weeks a bit).
I got my substrate stuff from www.AquaEssentials.co.uk. My local LFS stocks Tahitian moon sand, but it's probably available on the net somewhere.
Cheers
Karl.