If I were you I would start putting all the needed equipment on paper and see which method you can afford.
Your gonna need:
water bowl(dollar store)
two hides (could make yourself to save money)
cage
under tank heater
thermostat
thermometer
Then depending on your homes temp you may also need:
heat lamp with bulb or che
spare bulb or che
Then if you want a naturalistic setup:
plants (fake, real, or both)
substrate
other decor