How you incorporate really depends on what protections and format you want. I incorporated as a Limited Liability Company, becuase Vermont offered it as an option (not all states do) and it's pretty easy to administer, and income "flows through" the corporate entity to the Members as regular income, without having stock and shareholders like a corporation.
I would definitely consult an attorney. You can do all the paperwork yourself, and can usually find it on your states Secretary of State website. If you're not comfortable with doing it yourself, it's well worth it to consult an attorney and have them draft the paperwork for you.
If money is an issue, tell your attorney that, and maybe you can save some costs by running documents to state offices or doing other little parts of it yourself. My attorney lets me do things like that to save a few bucks here and there.
Since this question is so state specific and specific to your circumstances, be careful with any advice you get from a non-attorney - it may not apply to your state.