Welcome!
I just bought a small boat (14' aluminum w/18hp motor) for less than $1000. So if you need a boat, you could get a small one for now... and a bigger one next year if you're so inclined.
Or if that's still too much $$$ this year, get a tube (bellyboat). It would get you off the banks for this year, and would still serve your pond-fishing efforts well in the future.
I've found that a lot of the lakes have pretty heavy vegetation/weed-growth around the edges. Getting "out" in the water would help you a lot...
Anyway, welcome!
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