OH.MY.GOODNESS. I cannot tell you how much money you will save by cloth diapering. If it is the "extra effort" that worries you about cloth diapering, they have cloth diapers called "All In Ones", which are basically a cloth version of a disposable. The only drawback is that they take much longer to dry than typical cloth diapers, because they are much thicker and all one piece.
The next most convenient diaper is a "pocket" diaper. These diapers have a PUL cover on the outside with a fleece inner. At the back of the waist of the diaper is a pocket where you can put an insert and/or prefold (or two or three for overnight). These are easier than prefolds (the cloth that you fold and put in a cover), but you still have to take the dirty inserts out of the pocket cover. I suppose you could just put it in the wash in one piece, but I've never done that, because it seems it wouldn't get cleaned as well.
Next you have the classic PUL cover with prefold cotton diapers. The covers can be velcro or snaps. You fold the prefold in thirds and stick it in the diaper. Then you hold it in place while you close the snaps/velcro. You have to make sure that the cover is fastened snugly around the waist, and around the legs, to make sure that none is peeking out. If there is any of the cloth prefold sticking out, it will wick onto your baby's clothing and make it wet.
My husband and I use the cloth prefolds and covers from Prorap. They're super cheap and we've used 'em since her birth. We use One Size Fuzzibunz pocket diapers with two inserts for overnight. We also use two prefolds and an insert with a PUL cover for overnight. All of these have worked well for us and we are leak-free about 98% of the time. The only time she wicks is when her onesie gets squished into the leg gusset of her Prorap PUL cover.
There are great sites where you can get cloth diapers on the cheap, or you can trade for used diapers. Some are in Excellent Used Condition, others are in Good Condition (you usually wanna avoid these). Diaperswappers.com is a good one. There are also communities on Facebook, Livejournal, etc where you can find mamas willing to share cloth diaper wisdom and sell the diapers they no longer need.
If you prefer to buy brand new, check out diaperpin.com. There are reviews from other mamas as to their satisfaction with the diapers, what they liked, what they didn't like, etc.
Another nice thing about cloth diapers is that you can dry them in the sun and save on dryer energy. At the same time, the sun is a natural bleach, and will whiten up your diapers and help remove the stains - nature's bleach ball! :D
Good luck! If you wanna know anything more, feel free to private message me.