the no money thing was in First Contact eight and a half years later.
The no money thing was first mentioned in Star Trek IV: The Voyage Home back in 1986, though.
Gillian: "Don't tell me, they don't use money in the 23rd century?"
Kirk(shrugging): "Well, we don't."
Or Kirk and Spock getting off the bus in 20th century San Francisco:
Spock: "What does it mean 'exact change?'"
They seemed pretty mystified to me (at least in that film).