Jenny, owning pets is not the cheapest thing in the world. You should expect to pay an average of about 30 dollars a month for your feline pet; food, care, etc.
Of course, it is advisable that the kitten have that medical check-up to make sure it is healthy; primarily that it does not have that feline version of parvo, and I expect whatever shots the vet recommends for kittens of its particular age. It should be done, but if the kitten is healthy in appearance and actions, it can wait a little while.
As for your current problem, if the skin is not damaged, keep it clean, put some anti-biotic cream on it, and watch for hair re-growth.
In the future, use the flea and tic collars for your cat/kitten. They can be removed if any adverse reactions occur.
Baths don't hurt cats, so maybe its a good time to get your kitten used to them.