First and foremost, listen to the folks here. They don't know you, but they do care. They want you to be successful. This is an expensive hobby. Unlike you, I was able to spend the money. Like you, I knew absolutely NOTHING about this when I started. I didn't' know what a cycle was. I had no idea how rock filtration worked, Heck, I didn't even think about fish getting along!
I've had my tank for 2 months. Only four weeks with water in it. Only just last Thursday did I add my first fish. If not for this site and the folks on it, I would have no idea what I am doing. Am I a sudden expert? HECK NO!!! Yep, I have read a LOT over the last two months. Been discouraged several times along the way.
The initial cost for just my equipment was well over $3500....BEFORE water even came into the equation. Seems like every time I turned around last month I was plopping down $250 for something! Live rock $200, more live rock $200, Power-heads and base rock $200, SALT $50, Buckets, hoses, RODI filtration set, $150...... the list goes on and on. DO NOT LET THE MONEY ASPECT SCARE YOU. Sure, guys like me can spend tons on this hobby. Just like guys can spend $250,000 on a '32 Ford roadster with state of the art parts. Other guys have just as much fun, earn just as much respect (if not more) and enjoy their chosen hobby, in a junk yard Rat rod that they spend $1000 on and put together over years.
If you follow the advice here, you can be successful. No doubt. FWIW, my tank cycled lightly. My Spike in Ammonia was only .50 and lasted less than a day. I cycled in just shy of 3 weeks. 90 gallon tank. I have 3 tiny little fish and am loving every second of it!
Good luck. My only real advice to you is to shop around for other fish stores. The store I thought was good (and bought my equipment from) is absolutely untrustworthy! I would NEVER buy anything live from them. There are two others in driving distance. One I trust, its clean, the people know what they are talking about, but.... they are way over priced IMO. The third is a hole in the wall. Nasty, nasty, NASTY place....BUT.... the guy who runs it, knows marine life. I wouldn't buy equipment from him, but I would buy anything living from him in a second! He has THE best looking livestock I have seen. Look around. Other reefers are glad to help out too.