If $ is an issue, and you're sticking to softies, maybe LPS only, I would get a Tek T5 retrofit setup with 2 bulbs, in the future, if you think you want more light, just add another 2 or 4 bulbs and you can handle some SPS.
Its better to get quality equipment from the start, rather then buy junk, and then buy more stuff. We've all been there, and trying to save money when buying essentials of reefing is not the way to go. You can save money on other things like dosing with home made 2 part, and joining group buys for other stuff.