I have played for 18 months and remember making the same post as you are now. I spent way too many credits on clubs at lower levels. I think that you can economize some and still have decent equipment to play and enjoy the game.
My suggestions:
Putter TM Spider L19 only 400 credits (good till you are a TM or Legend)
Cally Xhot2 3 wood L33 1295cr (use as a driver and 3W)
TM L15 irons 1295 (much better than starters and will take you to L59 for the pings)
Buy the TM R1 L48 if you have the money otherwise wait till at least L73 for the Cally Xhot rated at 280 (I used the R1 till I bought the L79 SLDR)
Upgrade irons to Pings at L59 (must have) use them till L90 when the Rsi set becomes available.
This plan or something like it will keep you in decent clubs without overspending.
Have fun.