Happily with either class, the spells are really the only expense. Both can be equipped well enough to solo to 60 for less than 5k, which is easily attainable for both by level 30.
Play in rags as long as you can, save for the spells and simply loot your upgrades. You'll have a great time doing that.
Izmael is not wrong about Jboots and Circlet. They are game changing. If I were a Necro though, I'd buy the Circlet and not the Jboots, but I don't mind spending a couple weeks in SRo at level 35 trying to get the AC in a classic fashion.
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