Honestly if you are brewing for your own use you shouldn't need to spend that much money in equipment. I mean, it's nice if you do have it, but since you say you are short on money...
Of the top of my head in terms of equipment I use basically a scale, a beaker and a stirring rod.
I use syringe filters wich are definitely a bitch, but I just brew like once a year and the filtering, wich is the most time consuming part, takes me like 3 hours. I watch a movie or something while pushing the syringe and just embrace the hand cramps.
I just do trt most of the year with few months where I bump it a little, but even if was a heavier user I'd just brew 2-3 times more over the year and that would be it.