Get a credit card from best buy and get yourself a DSLR or your choice...then pay it month-to-month. I see you want to get into photography, and it's great, but with P&S it is like trying to replace a tranny with only a set of pliers and zip ties. To get good results, you must use quality equipment, otherwise you will get negative comments about the photos (other than the photographer him/herself). Yes, you can take some sweet shots with $89 camera from walmart, but it is like day and night with DSLR. My $0.02.