If price is a big issue for you, I suggest buying your accessories online. Pet stores will typically mark their prices up $10 or more over online stores because they have to pay for a lot of overhead. Think about it, every store has its own mortgage payment, maintenance, employees, retail displays, animals to take care of, services, insurance, etc, and they compensate by raising the prices of each item. Online stores don't have to worry about many of these costs, and they pass the savings on to you.
I use this site: http://www.fosterandsmithaquatics.co...lies/pr/c/3578
The shipping is a very reasonable flat rate, even with shipping factored in, you still save quite a bit of money, and the more you buy at once, the more you save. They also take paypal, so you don't need a credit card, just a normal bank account. It's a great place to buy gravel, heaters, silk plants, filters, test kits, dechlorinator, etc. They also offer some of the Marineland Eclipse nano tank kits if you're interested in something like that.