There is a Nylon string acoustic guitar for sale on craigslist in your area if you want to get going on the guitar right away. Nylon String acoustic guitars are much easier to play than the steel string acoustics.
Something to get started with quick, use it and when your new one comes in resell on craiglist again. Strike when the inspiration is hot.
I have a steel string acoustic that I have had for years, and it hard to play for any extended period taking a lot of force to push the steel strings down and hard on the finger tips. Maybe I could pick up a Nylon String Acoustic here locally and give it a go again.
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Not really recommending a steel string for beginners, but here is a 100 dollar guitar in your area as an example:
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