The best "dirt cheap" is a simple current limiting resistor.
With a BMS on the battery, never use higher charge current than the BMS can balance (remember the hoverboard fires).
Charging to 4.20V gives 100% capacity, to 4.10V gives ~89%, and will almost double your life cycles (never leave your battery fully charged), for max life cycles, dont discharge below 35%.
On my LiPo's I am getting over 2000 cycles doing this in a high preformance 230mm quad, using 4s-1300 lipo and peaks at 120A (1800W) and flight times are 90 sec, pretty hard on the battery.
I still like the $6 dcdc solution I posted above (yea not dirt cheap), easily settable (I use external pots mounted on the front panel).
I use a server psu (850W 12v 70A, $17 pre-covid), a couple of these 300W dcdc buck converters and a couple V/I meters for a low cost triple output power supply.