Kits
I've been building a 4*60 (second plane) since October. Its been on hold for several months due to an impending move.
Anyway, tools add up quick. Glue, sanding blocks, balsa knife, sandpaper, clamps, covering iron, heat gun, workarea/building board.
Of course that's not a remotely complete list, and it assumes you're NOT going to get a dremel, a power planer, and you have a lot of stuff hanging around like drill bits, handsaws, etc.
I wouldn't look at a kit to save you money if you're inexperienced at modelling, no no no no no no.
Of course, I LOVE buying tools, so I have had almost as much fun buying tools as building the plane.