The main problem with starting crafting early (and you noting that you're having some concerns with funds already) is that it can get expensive. There's also the fact that any gear you may craft....you'll outgrow quickly enough. Dungeon drops are better in terms armor and stat bonuses over those of crafted or vendor items.

Honestly, the biggest benefit to crafted items is the fact that you can attach materia to them later but even then later in the game, the benefit isn't that good...