Hey there, welcome to AH! I just noticed you're from Hendersonville; I'm not far off, over in Enka/Candler! Neat seeing a local.
Anyway, here's to business...
First of all, getting a solid foundation for a good, long lasting system is not what many new home theater buyers expect. For me, it involved a sudden exchange from an old HTIB to a low level 2.1 setup with a new receiver...I had to get rid of my old system by selling it, because the new receiver had too much power (and was too good) for the old cube speakers (ugh get those outta there). For you, a new receiver will have to come sooner or later, and if you get one now, it'll take the guesswork out of getting speakers that match in the long run. Not to mention, a receiver is a GREAT starting place, if it has pre-outs that can be used to turn it into a dedicated processor, with external amplification to feed your speakers (which also adds upgradeability and versatility to your system). Once you have good electronics, then you can get some better speakers...I recommend the highly praised Axiom speakers (
www.axiomaudio.com) for well priced, yet high standard audiophile goodies. For a receiver, I highly recommend either Onkyo or Yamaha, the latter being my favorite (and the one I have the most experience with.)
Think about this...you can buy a nice receiver first, and hook up your speakers. When the money builds up again, you can purchase some very nice speakers (axiom, klipsh, JBL, whatever) with just the receiver pushing them, and when more money rolls in, you can buy external amplification to boost your system's strength and take the load off of your receiver. This is actually what I plan to do, and I've already learned that patience pays off BIGTIME! Entering the separates market is significantly more expensive than HTIB systems, but well worth the cost...just don't let yourself be pressured into doing anything by a salesman, or even by your own impulses.
If you need any help AT ALL, please PM myself or any of the locals;; we're more than happy to give our advice (although I recommend getting second opinions whenever possible).