There's no harm in using jivaro in the mean time. There's probably even advantage of exposing yourself to the stats and their usage sooner than later.
(I know nothing about jivaro. I assume it is not junk, 'cause Keith suggested it.)

I mean... depending on your stakes, the actual investment of your money into the poker tracker could be more than your BR. It's worthwhile to note that you are hoping to increase your winrate by using the HUD, so it's a part of your overall poker winnings, and the cost is a minus on your BR.

Let's say you were winning 8 bb/100 before you bought the HUD. Using the HUD brings your winrate up to 10 bb/100 or a difference of 2 bb/100 above your prior winrate. It's the 2 bb/100 that you use to justify the cost of the software. You would have earned the other 8 bb/100 even without the software.

It's something to think about.

The cost/benefit analysis of the HUD is always going to be a negative in the short term. If you're playing micro-stakes, then the short term is probably a bit longer than your first assumption. Somewhere around 25NL, the cost of tracking software is enough of a smaller %-age of your BR to make the purchase a no-brainer. At 10NL, if you feel confident that you'll be stepping up to 25NL eventually, you can justify the purchase. Below 10NL, I suggest you think of the purchase as a partial waste of money that is justified because it makes your hobby more enjoyable.