I had no kit, the whole experience was new, I spentt ages researching kit, I bought everything cut price at outlets or online, but good brands, I didn't ditch and replace kit as others who bought cheaper kit did.
I started SJPP and experienced snow blizzard, torrential rain, winds, dry heat.
My coat was super light north face gortex £180
My trail shoes merrell £70
My back pack north face 50ltr with off back ventilation £55
I wore running pants/leggings 2 pair @ £40 each, in 10 days of rain I wore both pair as one didn't dry for next day
I had a merino wool Top base layer £40
A north face hoody light weight £40
A light polar tec fleece £40
One hiking shorts merrell £40
One running shorts for after shower £11
One tec T shirt £11
One yoga top £8
Sleeping bag £35
sllk bag liner £25
3 x socks £25
Petzl head torch £23
Sundries, ie washing line, food box, mug, bodywallet, packing cubes, rucksac cover, £50
Hiking poles £32
teva sandals £50
shower flip flops £14
Poncho £30
Water bladder £25
I don't know what I forgot here but I spent over £1000 on kit
I was away from home 42 days with a night in London and 3 in burgos, 3 in Santiago, 2 in finistere
I spent 6 of 42 nights in hotel, the rest was albugues
I spent a lot of money in pharmacy, on foot treatments, painkillers //////ibrupofen, sunlotion and moisturiser
I spent at least 50 euro a day, on alburgue, pilgrim meal, lunch and fruit water and chocolate, pharmacy,
washing and drying your clothes could cost more than a bed or meal in some places, around 8 euro if you arrive late and no one to share washing
I did loose around £1300 - that is in another post
walking the camino cost me around £5000
blew my budget, I need to spend some time with those that are doing for 15 - 20 euro a day, i'd probably pass out, I had very little luxury, was always tired and hungry on my budget.
I don't think you can make this journey cash poor (well of course you can, in piety, but not otherwise,) you need contingency funds for sure