You might also look into businesses like 2nd Swing. They allow you to buy used clubs at reduced prices and then when you're ready to upgrade you can trade or seel them back. In some instances for the price you paid for them (assuming the condition is the same)
http://www.2ndswing.com/index.html is the website. There are likely similar businesses in you neck of the woods. I think a good set of clubs is a great ideabut don't spend a fortune. Getting properly fit is also highly recommended. Remember "great clubs won't fix a flawed swing or a negative mental outlook!" Good luck.