I would mirror what MattM - wrote above. The certification may be useful, but first trying to understand the nature of the area in which you are aiming is the best bet. I cannot suggest to anyone entering into the IT field to become highly specialized (not that A+ is) in an area without first recognizing the width and breadth of the area of study.
The A+ certification, if it is your first approach into IT, is a great way to familiarize yourself with the theories of computer hardware and may help you get an answer for where you want to head. If able, follow that by some continued hardware courses/areas of study but at the same time explore the software side. Basic understanding of those two things in hand, you can then begin moving towards further specialization in a follow-on area. Could be getting into the electrical engineering of the materials or diving through the lines of code for a cross-cutting application. Moreover, roles exist throughout the industry for people who have lesser interest in being in the weeds and more involved in the marketing, development, and sale of the end product (software or hardware).
As a bit of background on why I suggest looking around: I started out much the same way.
I took A+ courses while in highschool years ago and following that never got my certification (due to the cost concerns as you illustrate). However, I still list the education on my resume and that conveys the needed information.
Following, I went further down the hardware-to-software path by doing the CNNA coursework and once again, avoiding taking the expensive (to my mind at the time) test. I also list this course of study.
Did I regret not getting these certifications? No, in fact I couldn't have cared less. Although it would be somewhat fun to go back and get them now that I have the money. However, not having them has not hobbled me in any way. In fact, it only helped to sculpt the route I have since taken (that being college for a combination of business and IT-related things that I couldn't help but put down).
So the take away in that somewhat lengthy story is - don't fret that missing certifications will make you an under-whelming candidate. Yet, don't believe that those looking at you for a position later will be able to know your expertise unless you can illustrate it for them.