If you are playing mobile and winning coins in the coin games, one way to defer or delay purchasing clubs until you are ready is to use some of those coins which become worthless other than playing more coin games to rent some of the clubs that are available as coin rentals...For example spend 50,000 coins for a week on the coin rental and when you use those clubs in lieu of your "sponsor apparel boosts" you should be able to remain competitive in your coin games and continue winning enough coin to rent clubs for the time being.
by doing this I avoided buying clubs other than the AVG wedges around L39/40. my first club was L51 fusion 3wd, which you could use as both a driver and 3wd if you wanted to start piecing your bag together. I then opted for the L55 driver because it was a slower meter and more forgiving. It was a great club and I never regretted the extra credits for it but I got it with the 10% discount to help a little. then their are the popular L59 irons...
the other option is to just get the discounted full ping iron set at L59 since it saves you a bit, sell the hybrid club back and add the wedges to your bag...
again, using the coin rentals will give you time to do videos for credits to save up for the clubs but it takes time...unless you want to put cash into the game. then all options are available...