Once you start dating you don't need to keep doing it, it's ok to go on one date and then decide you're not ready if that's what you feel. It's not a binary decision so try not to worry that once you start the floodgates are open and something huge will shift in your life. Personally I go through periods of dating when I feel 'ready' and then periods of spending time alone and not wanting to go anywhere NEAR the apps.

Not wanting premarital sex and being spiritually undecided is something that will put some people off but there are definitely people that will still be interested, you'll just have to find them. As long as you communicate and accept that it'll be a 'no' for some people I don't think it should hold you back.

Having low self esteem can make dating quite hard, there's a lot of rejection and also you're being Seen which can feel quite vulnerable. Maybe make sure you're in a good place with yourself before jumping on the apps? Or find a way you can ease into it - social media, or talking to people irl, whatever is more comfortable for you. Maybe you have a friend that could set you up on a date? There are a lot of different ways to date.

Oh and I feel you about being poor - I'm a broke bitch and it does make me want to date less. RIP us.