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If you do want an in-ground spa, and you're thinking of building a swimming pool as well, the most cost-effective way to do the installation is to build both at the same time. This is really the only way that an inground spa makes sense from a financial standpoint.
If the reason you aren't considering a portable spa is that you think they stick out on a deck or you just don't like the look, you can always build the deck up to the level of the top of the spa in order to disguise the clunkiness. Other options are some tall potted plants to hide the walls or an arbor or a gazebo to shelter the spa.