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Grasshoppa.... The bike you have is better than any bike you don't! Now give me two hundred push-ups!" 
I take it you don't have a bike? Where are you located? If you're near a decent sized city, check Craigs list. I found my very nice TREK for right at $200 and it just had a tune up and brand new tires..... Yeah baby!
If you are near Chicago, you can borrow my spare till you find "the one".... I don't really use it.
EDIT -
I just read a review of the Cutter
http://urbanvelo.org/schwinn-cutter-...omment-page-1/
Unless you live in Nebraska or Iowa, you are going to want at least a Couple of gears...... Especially if you are going to have to occasionally haul some stuff around.
Check out Kona..... A post or two above yours had one sudgested, and it looks REAL nice... And not too much more expensive.
JMHO
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Master Guns Crittle, You out there??
"A human being should be able to change a diaper, plan an invasion, butcher a hog, conn a ship, design a building, write a sonnet, balance accounts, build a wall, set a bone, comfort the dying, take orders, give orders, cooperate, act alone, solve equations, analyze a new problem, pitch manure, program a computer, cook a tasty meal, fight efficiently and die gallantly. Specialization is for insects." -Robert A. Heinlein
Last edited by devildogmech; 03-06-09 at 06:50 PM.