My main objection was CHEAP FISH, this phrase would imply that you would not care if they die during cycling? IF you are strapped for cash, why rush? Impulsiveness is one of my faults, i have been making mistakes for years and will probably continue. This is why i joined this forum. Why do you not try to save some money before you make the change to marine? Then, when you have the money, you can purchase the LR (LIVE ROCK) you need. Patience is a virtue, so the time you spend saving can be put to good use researching, which in the end will result in a better tank with happier inhabitants!
good luck.
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There's other ways to cycle your tank if you don't want to use LR. Maybe get some Live Sand to help kick start it. the other thing about adding LR later is that if it isn't fully cured when you put it in your tank you will most likely have another cycling which will hurt anything not "hardy". I suggest you read all the pinned topics to figure out what you're getting into...good luck