Don't know what a crack habbit would cost... but sometims I have to wonder which would be cheaper...LOL The initial investment can be a killer, but if you do it right the first time the less you have to upgrade later.

A note on that test kit, if you are not keeping corals, the master kit would probably be a waste of $$$, fish only tank your primary concerns will be PH, Ammonia, Nitrite, and Nitrate, (a simple SW master kit from Fosters and Smith can be had for $10 that will serve your needs just fine). Apply the balance to a skimmer better than the seaclone, a Prizm Pro would be a far better choice in my opinion, (watch Ebay for some good deals $50-60 most of the time, it's a better skimmer.

Lighting 2x65w over a 20g tank might get you by for an anenome. How long is the tank? might be better off moving up to 2x96w quad lamps, if you plan on adding coral later a sing metal halide (175w or even a 250) would serve you very well (and cheaper to start up and less frequent expense of changing PC bubls every 6-8 months, they tend to get expensive quickly.

Hope this helps.

As Jerry mentioned that HOB filter will likely serve well for water movement, and running a little carbon every now and again if needed, if you use the pads they will need to be cleaned and replaced frequently else they become nitrate factories quickly. To cut down on the costs if you want to run it ; thorough rinsing of the filter media will help, let them dry out for a say or two and rinse again then just snip the tops to exhange out the carbon weekly with pre-rinsed carbon.