Lochorns,
The antlerless tag is a county specific tag that can be used in archery, firearms, or muzzly seasons.

If you want an antlerless tag after archery closes, you can go to the county courthouse and get one...provided they aren't sold out. Which, is your own fault if they are out and you wanted one.

I don't think the money is the issue. I think it's got more to do with having to get something you can't use long before you have any idea that you can't use it.