The budget way is - not to buy anything at level 20 (where you are).
Play a lot, strokeplay included, I'd propose, play each day for the 880 XP bonus, thus advance in level and tier.
Read and search in the forum, wait with buys until you don't stand it any more.
At level 41, get two short Ping wedges. lvl38 ATV may be better but twice the price.
After that, the lvl30ish R11 clubs are worth a buy, or wait for the lvl59 G20.
Don't buy a putter below 500 crs.
Regarding balls, start with the cheapest (WGT B-ES) and look what they do for you (and what they cost on a regular basis). Work your way up if you want to spend more, revert to Starters if not. Tour-SD (65 crs), Srixon (180 crs) and lvl 33 Callaways (250 crs) are most recommended in the lower section.