Yes, When you get some extra money, a nitrate test would be nice as well, But ammonia and nitrites are the two deadly toxins that will be the most important to test for.
Those two test will get you by, Have the store test for the other things.
yes, but if I did not have $25. to spend at one time, I would get whatever I had money to buy. Keeping fish can be expensive, seems like just when you think you have everything you need, something else comes up.
I know it can be expensive. When I got my first betta, everything I got was under $20. But now, as I'm learning more on the proper way to keep them, its getting rather expensive. I'm in the same situation as Dukie. I have to watch the money being spent. Thats why I keep mine in 1 gallon acrylic containers with no heater and filter. You just have to buy what you can as you go along.