First off, be patient!
There's a lot of low-level gear available at low levels - it pays to be patient and wait for the good ones.
IIRC, that means, buy no driver, woods and irons before level 30, no wedges before level 38 and no putter of less than 500 cr. Add, no balls of higher level than the main clubs.
In general, try to get used to faster meter speeds - slow equipment costs extra.
When it comes to obtaining credits, some put a lot of their time into those "free" credits, some get no chance to do so because the offers are scarce for their country. Some get used to the feeling of being scammed by the offers, some don't. Some (like me) value their lifetime higher than the "free" credits to obtain and gladly spend some real money for their leisure. 10-20 $ per month are sufficient for some fun - cheaper than a night in town.
Don't wanna forget the "Days of Christmas" where generous people gift clubs to those asking - you just missed it, before Christmas.
Have fun!