If money's an issue, then look for a used piece. A lot of people buy guitars and basically never play them, so it's not hard to find a used acoustic for a good price. I picked up a Fender Gemini III, which isn't top of line or anything, made in Korea, but it sounds good, feels good, and looks good (it's black).. case, capo and a ton of picks, for $225CAD. that's under $200 US. Mind you, it was from a co-worker who had a baby on the way and needed to unload his stuff quickly.. But you might find a similar deal!
If you're looking for classical guitars, I know Yamaha makes them decent and affordable... have one of those too.