Hi pdb, welcome to the forum
I would suggest holding off on bees of your own for now, especially as you are short on money. Reading books and watch you tube vids are a great start, but you really need some practical experience before you start trying to split colonies etc, it isn't as easy as spliting the bees in two and adding a queen. I know how you feel, you want to get cracking and experience bees with enthusiasm. Have you looked for a local association? You would be best off there in their training apiaries with a view to getting your own bees come spring. You may even save money too. In the mean time, read, read, read some GOOD detailed books, ask questions on anything you don't fully understand and - if you join an association - get as much hive side experience as you can. Then you will get an idea of how you would be able to handle bees of your own. Dishmop is right, it is hard, heavy work and tough if you are not fully fit. If you do struggle to manage when assisting other beekeepers, then there may be the option for you to help keep the association bees where you would have help.
I fully understand your eagerness. I can't wait to get my own bees again! I almost can't sit still at the thought! lol