I just use one of the $1 cigar cutters from my local B&M or the $4 two blade kind. For a lighter I use the butane torch ones they give for free when you buy a box. I think they are like $2 when you buy them. I, like you, can't afford to pay for the high end cigar cutters/lighters so I make do with what I have. I think I will save up and buy a nice one someday but being in college I can't justify spending my grocery money on lighters, cutters AND cigars. I will just stick to spending it on cigars for now.
