Save up!
Seriously, this sounds like a perfect situation for dedicated savings. Even if affordability isn't really the issue, if it's easy to dispose of $30 here and $80 there, don't carve it out of your bank account, collect and set aside the cash in a special envelope or something. You'll quickly collect a substantial amount, and once you have, you'll be totally ready for when the right bike comes along - no excuses, no hemming and hawing about the money - in fact, you'll probably be eager to spend it.
Last edited by kbarch; 12-16-14 at 05:36 AM.