I know it sounds pompous to say this, but NOT having the test kits will cost you FAR more money, plus time and trouble than having them. The HTH 6-Way Drop Test Kit from WalMart is $22.47. I'm not a WalMart fan but it is the only place to get this, the cheaper alternative to the K-2006, and if you don't have the K-2006, then you need this.

It's not up to me to tell you how to manage your money but if you can't afford the HTH kit, I don't see how you can afford to maintain a pool.

You can later add the Taylor K-1515A for about $19 (the FAS-DPD chlorine test that is the key to the K-2006) to give you virtually the same functionality as the K-2006. Plus refills for things like the CYA test are readily available.