The Tower 40 ARF is a good way to go. An economical ship that will allow YOU to choose your own radio system and engine combination. If it should sustain severe damage during training a replacement plane isn't too expensive and you can just move your gear over too it.

Is it possible to learn to fly w/o an instructor? Of course it is, but the odds are against you doing it cheaply. You may also hurt yourself or others while doing it. Chances are that you will destroy a couple of planes on the way. Money lost would far exceed the costs of joining a club where the instruction is usually free. If you are one of the "quick learners" you may not need an instructor long though.