Well, not having a pistol at all because you can't afford a better one is a poor excuse for not having a pistol. The Mak is a solid all around choice for home defense, range, and CCW. The full size CZ-75/85 is a better pistol, better round, etc, but if you have to wait months and months to save for one, your losing practice time, AND the ability to defend yourself until you can afford the CZ.
I'd still recommending getting the Mak, and saving for the CZ. When the time comes to buy the CZ, you can always sell the Mak quickly to get the CZ. It all depends on how much you want a pistol now. You may end up liking the Mak so much you keep it, AND get the CZ.