For the sump/refugium, I use a 23watt flourescent bulb from the hardware store and a cheap clamp on fixture from the same hardware store $15 max for both. I use an inexpensive timer to turn it on and off so it is on when the tank lights are off. Helps prevent pH drops at night.
For the tank it depends entirely on what you want to keep in the tank and how much you want to spend. I use Kessils supplemented with T5s on all my tanks. They are kind of spendy but I love them. HO T5 flourescents are probably one of the cheapest for initial cost. You can get a fairly inexpensive fixture (mine are oddysea that I bought on eBay for $35 each). They came with crappy light bulbs which I replaced with ATI bulbs. With flourescent there is an ongoing cost of bulb replacement every 9-12 months. I love LEDs but you have to be very careful about what you buy. There are some made by Marineland and other recognizable brands that claim they are reef capable but in reality they are pretty much crap, and there are sorme really great LED products but they are expensive, Kessils, RAdions, AI Prime, Maxspec and a bunch of others. Do your research before you buy or you may end up a very expensive fixture that sits in your closet collecting dust because it doesn't do what you want it to do.