What is the best way to get a fly down deep? Say 20 feet or so. I usually fish small streams and creeks so I don't really need to spend the $ for a sinking line(besides I'm broke) I know Orvis makes a sinking tip that you can add to a floating line with a loop to loop connection. How well do these work? What other options do I have? What about a long tapered leader tied out of mono? Weighted maybe?

thanks in advance,
hNt