It is a good suggestion to just not use the Funds method in the book if it doesn't work for your setting. It was presented more for people who wanted to run things "fast and loose" and not worry about pinching pennies, so to speak. But since you are running things on a tighter budget, you may just want to go with coinage, as suggested. That way you can control how much the players end up with, roughly. And it puts more emphasis on the value of things, as everything will have value in either trade or worth.