You are just starting out quilting and doing things on your own. Pay the bills and make a budget. Many shops have reconditioned machines , check these when the time is right.
Wait and see what you will want and need in a sewing machine. How much time do you have for this hobby, and what kind of quilting will you be doing? Are you just piecing or doing quilting on the machine. How big will your quilts be? Do you want to do applique or embroidery?
hang in there it gets better. I am 62 and have been single since 1996.
I am now at peace and content :)