I'm in basically the same boat.
You don't have to buy everything all at once.
Start small...a slave/external flash. Cheap, averaging around 20 bucks I think?
Then save up for the next thing. A Penny here, a dollar there.
I honestly can't bring myself to get major equipment until I know I'm at a point where I could replace the money spent with money earned.
If you are at that point, consider taking out a small loan, finding the equipment and rent it, or work out payment plans with local owners.
Remember that old saying, "Where there's a will there's a way."
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