I love kits. If it wasn't for kits I wouldn't have been able to quilt. I have trouble making fabric and patterns choices. A left over gift from have my last child. However, I usually will buy kits after I have seen a quilt sample in at a LQS.
Since you are on a budget I think you should go ahead and make it anyways. It might look good after you cut it into pieces and sewn it together. If afterwards you still don't like it you can donate it or give it away to someone you are not real close to.