Snowglobe in Goodsprings, snowglobe in Follower leader's sleeping place in Freeside, go visit Mr. House, turn them in? Means you only need to pay for the pass in Freeside.
If I recall, you can turn them into House w/out actually going down the stairs to talk to House, so you can avoid triggering the Benny quest if you don't want to yet. But I don't know if visiting House would trigger a level up first.
You get the caps for snowglobes from Jane, the Securitron who greets you at the elevator in Mr. House's suite. And while you're there, there is another snowglobe up in the Lucky 38 cocktail lounge.
You could also bypass the credit check by means of sneaking onto the Strip via the Camp McCarran monorail, but you'll probably need to get some NCR faction armor to do that. I think you can pick some of that up in Nipton - IIRC, there are one or two NCR soldiers who are already dead there, and you can loot their armor. Just don't aggro Vulpes and his boys.
Also, you'll be doing a fair amount of sneaking/sprinting by Fiends just to reach McCarran.