I guess the short answer to the op is to check out a few clubs' web sites.
I wouldn't expect it to be much cheaper than SL though. Not many breeze block palaces to pay for, but the basic costs of running a club are still high and crowds tend to be quite a bit lower and there are no sugar daddies.
I can't see any point in changing the game day; there have been a few opportunities for fans to make a preference and Sunday has won every time. In fact, on the last occasion the winner was Sunday at 3 o'clock and the second highest was Sunday at 6.