If you need to stretch your budget you could hold off on the aerobars and clipless pedals and shoes for a while. Especially if you are new to riding. I saw very few aerobars in my tri (I don't use them, either), so you could even hold of on the aeros through a few tris!

In the long run you might be happier spending a bit more on the perfect bike now and getting accessories later, rather than spending less on a not-so-perfect bike and getting pedals and aerobars at the same time.

Budgeting is such a pain.... when can I win the lottery?