Hi bro ,
I have that same thinking when I started out . Wanna cut cut on bills and Siam getting equipments . End up fishes keep dying . Even though fishes are not that ex , money can earn back but a life cannot ah .
After going FOWLR , u will find it a bit dull and wanna get some cute colorful corals ... From then on , you will look for a chiller .hahaha
Then you will wanna get a chiller that just nice match ur tank, in the end it's too low power and u will upgrade to a more horsepower chiller .
IMHO money need to be spent but wisely .
2 cents from a beginner.