You could also hold off on picking up the Hyper212 and just use the intel stock cooler for the time being, then add the 3rd party HSF whenever you can afford it down the road. Easy $30 right there.
You could also shave off a good chunk by changing your case selection. Even if you just switched to the original Antec 300
instead of the 302, you'd save $28 right there. Differences between the two should be negligible at best.