You best bets when starting are the proven, FDA approved treatments, propecia (finasteride) and rogaine/minoxodil. I would start with finasteride only and a good anti-inflammatory shampoo/anti-dandruff like nizoral, t-gel, or t-sal. Nizoral is probably the best, since its active ingredient, ketokonazole, has anti-androgen properties, and has been shown to help with male pattern baldness in studies. Unless you need a lot of regrowth, I'd save minoxodil for a later date if your results from finasteride start to fade.
If cash is a major issue, try getting your doctor to give you a prescription for proscar. Most doctors don't know a whole lot about hairloss, so study up yourself, and explain to them that proscar and propecia have the same active ingredient (finasteride), and that lots of people take 1/4 or 1/5 of a proscar pill instead of a propecia pill. Proscar cost about the same for 30 pills as propecia, but contains 5 times as much finasteride, which means 30 pills last 150 days. You end up spending like $15/month for proscar.
Most herbal products are unfortunately snake oils. They may help a wee little bit in a small percentage of people, but they almost never do.