Hello and a warm Celtic from Boston, Massachusetts.
As the rest of the posts have said, Stillwater kilts. I own a thrifty and a standard, and I highly recommend the Standard if you can swing it. Should your size be in stock, be prepared for the post to be at your door about ten seconds after you click the "submit" button on Jerry's website. The service is that fast. Also look at USA Kilts Casual Kilt line, and Sport Kilt. You will see all of them on this board, they are here for a good reason in that they are great in customer service. I understand the budget thing. It might just be worthwhile to put the pennies aside for another week or two to get the kilt in a tartan, or self colour that you want. Take your time. The sporran, belt, sgian dubh, and other accessories can come at a later time.
If you are at all handy with a needle and thread, Alan H's X-kilt is well worth the try. I have made one out of heavy denim that was on mark down at Jo-Ann Fabrics for $2.00 a yard @ 60" width.
BTW my avatar is an SWK Irish National with matching tartan flashes. I am tall enough that the 24" kilt length works well for me.