Well serviced 4 pots with decent pads are fine for occasional track days (i.e. make sure there are no sticking pistons and use decent DOT 5.1 fluid). Braided lines and a brake stopper can be added quite cheaply too.
You definitely do not need to upgrade the brakes immediately. Sure, it probably won't take long before you will want to upgrade, but you can do this when funds allow. Until then just brake earlier and allow them to cool if they start to fade. You'll still have fun on track even if you can't be the last of the late brakers.
For the budget, Godspeed discs and kelvar pads are probably your best bet (but you will need to let the brakes cool quite a bit). However, given what you're saying about the discount available to you, then see if you can finds some EBC BlueStuff, Mintex 1155s, or Ferodo DS2500s within your budget.