If you're into DIY, then ahsupply.com has retrofit kits for CF lighting and lightbulbsdirect.com has great prices on bulbs.
I would suggest going with a FOWLR (fish only with live rock) tank as your first saltwater tank. It would give you a chance to develop your skills at keeping a marine aquarium and take your time acquiring the additional equipment you'll need for a reef. If you only get reef safe fish, then it's a natural progression into a reef from a FOWLR tank.