I'm a newbie to aquariums and while in the process of building my own 80L tank I got a rude shock when I found out what the lights cost for a sealed two-tube system, so I decided to do it my way.
[by the way - I see some of you are wiring up your own 240V lights. This can be very dangerous and is not recommended. You could kill someone (yourself) and I believe that if it causes damage to your home (perhaps by causing a fire) you are not usually insured! - Buy off-the-shelf or get it done professionally and make sure it is sealed, or use low voltage - see below].
I took an approach I've never seen anywhere else and which was very very easy and very cheap.
Because I didn't want to dangle 240V over my tank, I went down the 12V route.
I bought two mounting sockets for tungsten filament halogen bulbs (I didn't buy the sealed spotlights, just the bulbs and a separate two-pin mounting socket). Cost about $2 total. The supercompact 240V/12V 50W electronic transformer cost me about $20 (bigger, uglier versions cost <$10). And the key to it all are the 12V, 10W & 20W ultra-white, polymer coated quartz tungsten bulbs (about $2 each). These naked bulbs are ultra-white light (colour temperature 3500K, the sealed dichroic ones are 5000K) compared to normal tungsten, you can see the difference.
Because it's all 12V, the wires are very thin and easily hidden in the wooden hood over the tank and run down beside the external filter intake, the whole fitting stands about 25mm high and sits on top of my tank's glass cover.
It cost me about $30, took 30mins to put together and looks pretty good. It does not give UV light like some tubes to make your fish really glow, but the Tetra's really shine when the angle is right. I started with 2x20W bulbs, but that was overkill, so I went to 2x10W & 1x20W (40W total). The other great thing about the bulbs is you can use them like spotlights if you add a reflective cone (I use aluminium foil). This allows you to create light sculptures, or shadow zones etc etc.
I also tried to spice it up with a cold-cathode UV fluorescent tube that I had handy. But these have really low power (1-2W) and it made no difference.
Has anyone else done something like this? Is there something I should know about that I don't? Everything is going great. The tank's now about 6 months old and lightly planted and lightly loaded with fish (~20 small fish).