1999 Ford Escort gaskets

I noticed that the car was overheating, then when I would stop, and try to accelerate, it wouldnt go, but slowly start forward, I stopped to turn into a subdivision, the car died, a man looked at it, said that water is leaking into the oil, showed me, and I saw that it is, weve called some ppl, they've said that we would need to get a new engine, or head gasket needs replaced. Any suggestions? Were very low on money, and need the car to get to work and look for jobs.