Colorado is midge country! This is good because most midges are easy to tie and only require 3-4 materials. Black beauties, zebras, miracle midges, basic thread and wire midge, etc all will catch you fish on most CO rivers (do a google search on those names and I'm sure you'll find a few tutorials). Being able to tie your own midges is most certainly cost-effective right off the bat, and an easy way to get serious about fly tying.
Buy some small hooks (#18-22 is a good start), a couple different natural thread colors (black, olive, gray, white, brown), and a few different colors in copper wire... BOOM! You got yourself materials for about 5-10 different types of midge patterns, maybe more... all of them will produce fish if you will them to.
Also agree with the other fellas regarding Charlie's. Check out his store and check out his site (and his book if you want to go the distance), easily the best teaching tool out there for beginners aside from a teacher in front of you to show you a few tricks.
Also, I feel your pain about not being able to drive... I remember starting out FFing when I was about 12, and was pretty limited to days on the water in that I had to drag my dad out or my friend and his dad in order to get to the river... Get out as much as you can, and then when you finally turn 16 and get your license, the world will open up to you. Granted, at that point, it proabbly won't be trout that you'll be chasing...