I was pretty lucky and came into some money during the crowdfunding stage but id always planned to go gold. Its like people have said before, you just need to make a few changes in your spending habits for a short while. Even the most basic of savings will be enough.
i don't see why no PVP in the pr-alpha is a problem either. the game seems to be more than just a PVP game, id go as far as to say its not the main focus of the game so not having PVP right away isn't that surprising too me