As everyone has already said, remove the heat rock because they are dangerous and are known to burn animals. I'm not sure what species a heat rock is made for, but it's definitely not a ball python so see if you can get your money back for it. A 55 gallon tank is way too big for a baby like yours, but If you fill the tank with LOTS of things like plants and hides and such it will help your snake feel more secure. But as you mentioned, money is tight so if you don't have the money for fake plants and such you can crumple up paper towels to add more security.
I just want to say that you seem a bit irresponsible. You said you learned the basics, but obviously not because this is the basics. And you purchased your snake when "money is tight". So now you can't provide proper care for it. It needs plants and hides and a thermostat and you can't provide those things. I would suggest taking the snake back and waiting until you're in a more stable place financially before purchasing another one. And I'd also encourage purchasing directly from a breeder because pet stores are notorious for selling unhealthy animals. Especially if it's a big chain pet store. But you may have gotten lucky and purchased a healthy animal!
Good luck!
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