Welcome Thor! I have seen some beautiful tanks maintained "on a shoestring". There is used equipment in our Classified section of the forum, and lots of trading of livestock going on here in the forum, and at our meetings. Many hobbyists here would be glad to give you a few frags to get started!
When I first began with reef keeping years ago, There were not a lot of supplies available, and we helped each other out as much as possible. Keeping a reef tank these days is much simpler, although some systems can be very complex and expensive. It is true that it can become very expensive, but it is not necessary to spend a small fortune. Please become involved with our club and meetings!