I want to thank everyone for their ideas.  I have given up my swifter dry and wet mop for a more eco friendly reusable system, and it was not that hard to do.  I think I'll start with a vinigar spray bottle and a bleach water mix.  I'll either just cut up an old towl or buy some cheap wash cloths.  Baby steps.

I was thinking in two seperate spray bottles...It sounds like using vinigar is the way to go so...maybe I'll just start with that...

I read in a naturally clean home book that if you use peroxide and regular white vinegar together between them they can kill just about any germ. I keep a spray bottle and use it on my counter tops, cutting boards and other like hard surfaces. You just spray and walk away or you can wipe if you prefer. And rather than use exenensive paper towels I cut up old t shirts that my kids have stained or I picked up at the thrift store and make rags out of them. They last forever.

Another idea that won't bleach the wrong thing (I throw out about 1-2 shirts a year because I've gotten bleach water or cleanser on them) is to make a mild PineSol solution to wet the homemade wipes.  There are different scents--if the original doesn't do it for you, use one of the others.

I was never a fan of the disposable wipes because it seems like they don't go as far as a washcloth or rag.  It seems like it always took me several just to do one bathroom.  I will say that I have been washing by hand and reusing the ones I did buy to try out.  I just "recharge" them with the vinegar/water mixture.  I don't ditch them until they are nearly disintigrated.  I won't be buying new ones when these are gone because I'll probably switch to rags only.  I've been on a kick to get rid of "disposable" anything.  I've even been washing and reusing my swiffer products.  I've already crocheted cotton yarn replacements for them when they finally all fall apart.   

Granny's wisdom:  this is why every homemaker needs a "rag bag"--old towels etc. saved for cleaning jobs

rag/cleaning solution VS the needed store bought expensive wipe

mop/bucket of cleaning solution VS the needed store bought expensive "Swiffer" system

Vinegar or bleach diluted in water works great.  

there are patterns on the net for knitted swiffer covers too.   I was given a couple of microfibre cloths from the dollar store at xmas so I use them on the swiffer.

Great idea about the microfibers - they last a long time and hey - they were a gift.  I saw that knitted pattern somewhere, but my crochet skills far surpass my knitting skills.  I have 3 done already and I'm thinking about making more as gifts for family (my brothers have always been frugal), but if I was knitting them I still probably would be fighting with that first one!!

I would suggest, for your situation, finding a cleaner that contains bleach and water it down pretty good, put it in your own clean bottles, and use that with clean white rags. Since you have children, maybe old cloth diapers. You'll want white so you can toss them in the load of whites, and with the bleach already in all those rags you'll use every week, you may not need to add more bleach to the load. That would be interesting to find out.

I personally dont use anti-bacterial cleaners. What I do is clean the kitchen with a (clean) sink with some hot soapy water, and a rag. Then I go over the glass cooktop with a clean hot damp rag to rinse it off. I then just use one spritz of watered down glass cleaner to remove the streaks from the stovetop, with a clean dry rag. Those glasstops look really messy if they're just cleaned with soap and water. 

In the bathroom, same thing, only I start with the cleanest area (mirror) and a dry rag, and a corner dampened with water. That cleans the mirror, I find I dont need cleaner to do it, but then again, I dont have children, so there is rarely any spots on there.  Then I clean the counter top and sink, and I do use cleaner in the sink itself, and of course, a strong disinfectant, but only a small amount, to clean the comode. I clean the outside of the bowl with the same rag I used on the mirror and sink and a spritz of the cleaner.

I have an old swiffer dry mop that I haven't bought cloths for in a long time, and I put a cloth in there that's hot and a little soapy and use that to mop. Then rinse the cloth, reinsert it, and swipe up the soap residue a time or two, then let it dry. In cold and flu season, I will top this off with a light spray over the surfaces with lysol disinfectant spray, but only during those times.

Hope this helps!

CHeryl