Well at least your saving. I get some money pay the bills and take the rest down to buy my stuff. I just paid for a 125 gallon today. I should have it some time next week.
Just take your time and before you know it you will have everything you thought you never would get.
Most people dont go right out and fully stock with everything it takes time. The big expense I had to shell out was for the tank, stand, canopy, wet dry, sand, salt, pumps, plumbing kits, lights, and i mabe forgetting something.
After I get the tank set up I am buying about 60lbs of LR for cycling. After that I will add my existing 55lbs to it, and gradually add more corals and such.
Just remember patience is the key..