Presuming you're not doing full boils, then cooling top up water is the most efficient way to go. When I did that, I'd plan for about 3 gallons after boil, do I'd put 2 gallons in jugs into the freezer, get it as cold as I could. I would do a couple rounds of ice bath in sink, then into the fermenter. If I had the kettle at around 100 degrees, the cold top off would bring it straight to the pitch temp.
If you are doing full boils, your options are more limited.
There are people who do 'no-cool' pitching, where they let the wort come down off boil for a little while, then into the sanitized fermenter. SEal it up, get into the fermentation area and let naturally come down to pitch temp, usually overnight, At that point they pitch yeast and install the airlock. You have to be spot on with sanitation in this case; anything left in there will have plenty of time to get a foothold.
Or, spring for a chiller, either pre-made or buy a roll of copper tubing and make your own. I was lucky and got 2 rolls of 50-foot, half-inch diameter copper tubing for $20 each. made up chiller with some plastic tubing and hose connectors and haven't looked back (hint: if you do this, put a shut-off valve between the hose and your tubing - you don't want to have to run back to the hose shut-off all the time.)
Alternatively keep an eye on Craigslist, search under homebrew and home brew (with and without the space; people enter stuff both ways) you can often find people selling them fairly cheap.