$ vs time vs algae
You have to balance the money vs time vs algae issues.
It is best to plant the tank heavily, add lights and CO2, do not add fish for a few weeks, then add some algae eaters (shrimp and otos) but no food, then add fish and fish food. Takes about a month or more. This will get you started with no algae at all.
As you add less plants or add fish too soon, you get more algae issues. If you have poor lighting or too much you may have algae issues.
But, if you plant heavily, pretty quickly you will be trimming plants and so that might be seen as money wasted.
So, how cheap are you? If you are patient, and frugal, you might want a moderatly lit, no CO2, soil based tank. You will probably work through some algae issues but it is a low maintainence approach.