Noisy clutch in Ford Focus 2004?

Jeez, I'm losing sleep over this problem. My Hubby is out of work so have no spare cash for garage repairs right now and I'm too scared to even have a mechanic look. We have a 2004 Ford Focus called Doris. She has developed a rattle type noise coming from the gearbox/clutch area. It's most audible in neutral when the clutch is depressed; if anybody has any knowledge or tips at all ~ please share them with a frazzled fellow driver..........