Salaam,
What kind of inexpensive organic materials do you have access to?
I know that building new beds can be quite costly, but there are lots of organic options with inexpensive materials like straw, leaves, kitchen waste, coffee grounds, wood chips, tree trimmings, logs, etc.
For example, if you have tree logs and branches, you can build hugelkultur beds.
ANother option is to purchase compost, spread it 6-12" on top of your soil now and cover with 6" wood chips or straw - it will be ready for planting next spring, you will just need to move away the mulch layer to warm up the soil in spring, plant, and put the mulch back.
Another option is straw bale beds.
None of the above involves digging the rock and clay, which is good. Actually rock and clay are good things to have under your garden beds, as they are mineral rich.
There are more options to build your beds
It all depends what you have available and cheap or free.
Good luck with your new garden!
Tatiana