Hi James,
Welcome to the forum. I thought I'd chime in as I too am aligned with Buck & Bored.
However, I do sympathize with those who want cost effective audio gear. (I don't subscribe to the term "Budget" as it refers to audio equipment, as when used in that context there is a tendency to use it to make the gear involved sound cheap.) A Budget to me is the target for whatever you want to spend.
Newbies should always set a realistic budget for their system that they can afford. Sometimes that means buying a piece at a time. (I've never been a fan of using Credit for such "luxury" items. Save your money and have the cash on hand.) And as so many here will advise, buying used or discontinued gear is where the real bargains are. (Okay => the DIY crowd may see it another way for Speakers and especially SUBs
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)
Some will say below a certain dollar value new equipment is junk, and in general, that's absolutely true. And as inflation seems constant in our society, that dollar value for that point creeps up every year. One thing I should point out is that buying new audio gear is almost a logarithmic type function. What I mean is after a certain point, small incremental improvements in audio gear performance / quality cost more and more money for a given space. (Say a "good" system cost X, and to more it up significantly to the next notch cost 10X. To more up to the next level could cost 100X. And so on... You get the idea.
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) At some point up that graph, a lot of folks won't be able to hear, or appreciate, these subtle improvements in sound. (And Ok, a lot of folks bank account run out long before this point.
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)
So when people say this piece of equipment is good (or bad) a lot of times it's their own personal experience at play here - and what their wallet (or wife -don't get me started there
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) can tolerate.
I hope you have fun and learn a few things as you get involved with the knowledgeable folks here.