Well, when talking about budget... I didn't have any when I first came here. Didn't have any friends, don't have any relatives... but I worked like a moron, all kind of jobs, regardless if it was day or night, sunny day or rainy day. After few years, I can say I can afford it now.
Windows = intuitive, Linux = perfect but not easy to use... OS X is your answer, everything that Linux has and more, and even easier to use than Windows.