That's one of the reasons it took me a year to build my first Corvette.
With so many weapons, modules and utilities the entire process was just bewildering.
The best advice I could offer would be to build it in Coriolis.io and then pick specific things (a weapon, the shield, the HRPs, the SBs or whatever) and then focus on completing it, go and do something else for a while and then go back and complete some other part of the Cutter after you've replenished your stock of mat's.
If, however, credits are an issue, you probably shouldn't be flying it anyway.