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Only you know what your financial situation is, so it's hard to generalize. The costs of being in a sorority are significant, but so are the benefits. I had no interest in joining a sorority when I left for college, and ended up pledging spring semester of my freshmen year, and I still count it as one of the best decisions I ever made. I can't imagine my life without my sisters, who are my life-long friends. (I've been out of college long enough to say this with confidence!) I also know that I wouldn't be the person that I am today without the experiences that I had as a collegiate member.
I guess what I'm saying is that if money is really tight and you know that you couldn't swing the dues and other expenses, then going through recruitment is probably not the right choice. However, if your hesitance is that you think you're going to spend the money for recruitment and "blow it" because you won't get a bid, I think you should go for it. You just don't know what might happen. You have all summer to figure out what to wear...to echo a previous comment, try to borrow some things or catch things on sale.
Good luck with whatever you decide.
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