First of all, hurry slowly! Kilt attire can be expensive, I am ever thankful to my ancestors from whom I inherited much of my kilt attire, but not everyone is that lucky. Read thrice and spend once, in other words ask, read, ask, read and do it again until you know exactly what you might need for the style that you choose. There is quite a bit of kilt kit that is not really essential and some that is helpful overtime. In the meantime you have to go with what you have, your jacket will get you by as will a pullover(sweater) and those two options will get you by for any non-formal event. Good luck!