Craigslist is great for tanks! Check the 'for sale' section and the 'pets' section. Also garage sales are good - and the 'local' section on this forum. The best tip I can give you to be the most frugal is be patient. Watch CL, store sales, and garage sales until you find a deal you can't pass up. I got a 29g with all the fixins (gravel, heaters, nets, stand, etc.) for $65. I got a 20g with stand at a garage sale for $20. Of course it really helps if you aren't very picky...
Shop 'n Swap is great for plants. Usually you can get a good start with $20.
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