You could do a search for Second Life blogs as a starting point. I use http://seraphimsl.com . If you see something you like, just check out the store and see if they offer group gifts and if there is a joining fee or not. I don't have a lot on money myself to spend in world, so I mostly look for the freebies & dollarbies on marketplace and follow the weekly deals of Fifty Linden Friday and The Saturday Sales. If I buy $5 worth of lindens on payday, I can pay my parcel rent and get a couple new items of clothing.