Nervous female traveller hitting Fiji

Hey - Wondering if anyone can offer some advice. I am heading to fiji for 12 nights from the 21st September. I haven't booked anything, have no idea where to stay and basically I am out of money as Australia sucked me dry. I have been reading threads where people have suggested the Lost islands, Caqalai or doing a homestay but looking at some of the websites they seem to have high transfer costs with many suggesting flying.
I was thinking about octopus, however, have read somewhere else that its' full of couples which could make me pretty lovesick for my other half after 12 nights. I would really appreciate some decent advice, I simply want to sunbathe, soak up the atmosphere, meet some nice people and potentially snorkel or spend some time on a boat.
Any ideas I would love to hear them.

cheers

express bus nadi suva about 15 F$, suva accom at south seas private hotel F$ 15 per night.
bus ferry suva to levuka/ovalau F$ 30, accom there from 15 F$ incl. breakfast
bus from to boat landing for leleuvvia or caqalai <5$, boat to islands F$ 30 one way

caqalai is the ceapest fiji got to offer, its popular because of that, book ahead.
more on th east on www.levukafiji.com

any place in the yaswas will cost at least twice as much and boat transport out to the yasawas is about 100

Check out David Stanley's "Moon Guides-Fiji"