What software can I use to get started in webcomics/animation?
I have been using Microsoft paint but it doesn't have layers like Photoshop. I am a poor person so can't get photoshop, anything else I can use?
If you are targeting free, possibly GIMP and Inkscape will do. Other free/open source wares like Synfig Studio, a 2D animation software and Blender, for 2and3D are worth a short. But since you are talking about working from MS Paint there may be a steep learning curve for you on the latter.
But if you really wish for serious animation, you have to put your money where your goal is and save for a software program. I use Smith Micro's Anime Studio Pro and recommend it for you if you wish to start serious animations.