If you're cycling the tank, you won't need to do 100% changes. That's the great thing about it, the water quality is much more stable. Once your tank is cycled, for a 10 gallon tank one 25% change weekly is all that you need to do. :)
BTW, cheap decorating solutions from one student to another-terra cotta pots from Walmart make great caves and are less than a dollar each. If you want to use fake plants (though it seems like you want to do live), silk plants from a craft store like Michael's or a dollar store are MUCH cheaper than the petstore variety-just be sure that it doesn't have exposed wire, isn't perfumed, glittery, or anything like that.
Dividers will cost you less than $5 if you make it yourself.
Last edited by Jupiter; 01-13-2011 at 12:25 AM.