I dont know what you woudl do with plastic wrap, haha.
Foil is bad because itcreates hot spots since it doesnt reflect light evently which could burn your plants, which is no good!
I suggest if your are running low on money to do 1 of 2 things. Either get some cheap white paint (I believe matte not glossy, but check up on that) or some wrapping paper. I have read around a lot that it emulates mylar a lot since one of the sides is shiny and reflective like mylar. A roll of that was said to cost $1 at the dollar store.
Good luck getting your stuff started. If you need any germinating help I can offer what I know. I got some pictures of the rap root starting to come out in my journal i started the other day. I would wait a LITTLE bit longer for it to be out of the seed and then plant it. But check out mine so you have an idea what it looks like:
White Rhino PC Case Grow & More