Why did you by an animal if you don't want to care for it properly? All you did was waste money on a uth that is going to be to small very soon.
A tstat is an absolute with any uth, a timer will not work.
You can certainly create the proper ambient and surface temp with a heat lamp alone. The ambient temp only needs to be 80, not 90. The hotspot in a range of 85-90 will be good.
A 100w bulb is way to much for a ten gallon tank they are suggested forforty gallons and up.
Your best bet to get a heat lamp dialed in is by using a rheostat commonly referred to as a dimmer.