You don’t have to buy a rack just for the rack itself if you have a little time and effort: some are very easy to build with little to no experience. Videos like this on youtube for simple PVC rack systems:
Videos on temperature, thermostats and more in depth builds: https://www.youtube.com/watch?v=7vaGKYIm2qE
Plenty of videos online but I would highly recommend you take a look at Animal Plastics to build (alright prices for racks themselves but not sure about shipping costs) for beginning : https://apcages.com/collections/ap-signature-series-racks
and also Reptile Basics: https://www.reptilebasics.com/reptile-rack-systems
If you want to get serious and have TOP OF THE LINE racks, by far the best (in MY opinion) are Freedom Breeders: https://www.freedombreeder.com/product-category/racks/reptile-racks
All about time vs money if you want to build or to buy and have shipped but like I said plenty of videos on youtube to build and to go in depth
Best of luck and I know you can do it 