There's no point in mixing new and worn parts. All it does is waste money and cause accelerated wear. Anyone who has ever rebuilt an old car gearbox will tell you that you shouldn't replace just one of a pair of gears. If you want the best possible job, and can still get the parts, you replace both of the cogs. If you want to do the job as cheaply as possible, or the parts are obsolete, you cannibalise another old gearbox and swap in a part-worn gear which is at least serviceable.
So let's say you replace your chain twice @ £20 a throw, then the third time you buy both a £20 chain and a £20 cassette. Total expenditure £80 over the cassette lifespan. There is every likelihood that you could simply get away with running just one chain, and not replacing it at all until it starts to skip, at which point you would also change the cassette. Total expenditure in this case £40. On the subject of chains, I do not regard £20 for a chain as being a cheap consumable. £20 is approximately how much I tend to pay for a complete secondhand bike, and when I do so, so long as the chain is not rusted solid I will just use up whatever lifespan the existing chain has left in it. I don't possess a chain wear indicator tool, and see no need for them. If the chain is not skipping, it isn't actually completely worn out.