Fuck the supplements... build muscle without breaking the bank. I've been going hard for nearly 4 years (had a 8 month break during year 12), only having a PWO shake (time release protein). Did creatine for a few weeks but gave it up as it tastes like dogs balls. The degree of water retention you experience under creatine varies from person to person. For me, i didn't notice any difference at all hence i stopped, but for some they get 'bubble muscles' and put on a few water kilos. In regards to the 'every 2 days' garbage getting thrown around, that's complete shit. With bodybuilding and fitness, everyone is different and there's no point saying "whats the best supplement" and "best exercises" etc, you just need to experiment and if it works for you then it works.
I'm not one for cardio, as i find it to be a huge waste of time. Fat loss is done in the kitchen, not on a bike or treadmill. For those who think supplements are magic pills/powder that make you big or skinny, you're a fucking moron. You put in the effort, you get the results, there is no shortcut.
All in all, i'm a firm believer that money should be spent on your diet (steaks and chicken break the bank enough as it is) and not on supps which may or may not work.