Lots of good stuff here. I, too, got into it on a very limited budget. I agree a sporran is a requirement. I got the economy day sporran from USA when I bought my USA Casual, and it's good for $45.

The USA Casual is, in my view, the perfect first tartan kilt. For about $120, depending on your size, you get a kilt made to your measurements and they are so easy to care for PV material and look great. You can also use this less expensive kilt to confirm your measurements before spending a lot of money on a wool kilt. I recommend measuring to wear it above your belly button like a wool kilt, instead of where you wear pants. I just love mine and will definitely get another.

Shoes...the ones in your photo will be ok, I think, with some polish. Treads are good in the Midwest winter weather. Hit up the thrift stores for a pair of wingtips on the cheap.

Have fun, and welcome to the great rabble...