I am finishing my certification with my open water dives this coming weekend and have all of my gear. I am moving to Manitoba so i thought I would get my gear here in the states since it would probably be cheaper. I, like you do not have much money. My wife and I just recently graduated college and since she is Canadian I was the only one working and paying for both of our tuitions. So I definitely feel ya.
I bought my books 2 months before I even started getting training (for $50) The shop where I was going to go to was a 5 star PADI training center, and this other dive shop I ended up going to because of scheduling conflicts with the nice 5 star PADI training center, has been some trouble. I figured I would be able to get certified in about 5 days, because the "nice" place had a specific schedule. The "cheap" place was about $100 cheaper but they only showed when you started the course. I started training in the beginning of June....it is now July 14, and hopefully they wont cancel the OW dives
So as for getting your training, you may be able to get a deal like I did. Which is mostly fine except for the waiting period. However this should throw some flags up as well. I am not sure what standards the training is supposed to be up to, however I feel like I did not get adequate enough instruction in the pool. There were a lot of little things that were missing or not instructed according to the book, when we did them for real. So yea the most important thing from what I have learned so far is study the book really well and think how it works, to make sure that you do get taught everything when it comes down to breathing in water.
Ok as for gear, I have managed to find enough deals over the past 1.5 months to get all of my gear for diving in Canada *maybe not ice* for quite a cheap sum.
I did take a risk in this though, because I bought some of the things off of Ebay.
I got 2 Sherwood Magnum Blizzard 2nd stages: $70 total w/ hoses +$30 servicing for both total= $100
Sherwood Magnum 1st Stage: *I got this here on scubaboard forums and was just serviced* $120
- came with a sherwood magnum 2nd stage as well
BCD bought a new low end BCD from LDS for $50
Steel Scuba tank from ebay: $90
-gotta be careful with these its actually a better bet to just buy an aluminum one new from your dive shop I just got this because I wanted the extra weight.
Hydro+Visual:$40
7mm Scubapro Semi-Dry suit *worn 4 times* $50
Gauges *pressure, compass, depth* used twice looks new $65
Total so far is $515 without mask snorkel fins and this included servicing everything.
Mask $34 from leisurepro
snorkel $12 leisurepro
fins+boots $140 from the nice LDS got some nice Aeris Velocity fins and some 6mm hardsole boots.
Total cost of training *not including gas+getting to dive site fees* $240.
So for a grand total of $941 I acquired almost all of my gear and got the training. So it is possible, but you will take a gamble. I got really lucky to get stuff that was in great condition and that it was serviceable.