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In fact, in my latest test, I bought a tractor for $85k and leased the baler and cultivator/planter. Seems to work pretty well, since the tractor is faster than the Fiat, and also has a 3-point hitch on the front end. And the rent for the baler and cultivator was less than my harvest income.
@kpnh777, i did not include a plow because it's not a needed tool in order to plant and harvest crops. Same reason I did not add fertilizers or weeders.
You can use crop incomes, or do jobs for other farmers to buy more tools.