The biggest benefit of building up your muscle mass (at least from a weight loss point of view) is that muscle burns energy. It increases your metabolism and helps you to burn off the fat. So just burning or reducing calories has less effect than increasing your metabolic rate.
Whether you have money or not for training can have little importance as you can do away with its disadvantage by consistent effort and assembling maximum information as you can. http://www.nordicmagazine.info/plzr/