This is nothing to be embarrassed about. I was in the same path as you. Although I was broke *** college student, I devoted everything to own my very own Z. With the help of my parent's generous down payment, I was able to make my own payments and eventually pay off the Z by working my *** off. I wanted to mod my Z sooooo badly but that had to wait. Slowly but surely I saved up and got an intake and exhaust. I couldn't afford aftermarket wheels so I decided to plasti dip it (which turned out amazing). I even blacked out the headlight housing myself. Everything takes one step at a time.
I just recently graduated from my school (Dec. 2015) and locked in my career before graduating. Now I have access to income that I've never had before and I'm kinda overwhelmed by it. Everything that I wanted on my Z is accessible......but now that I think about it, I want to buy my very own house. Things change and you don't know what'll happen down the line. I will eventually do something to my Z but not as much as I hoped back when I was a student.
As for your budget part, I suggest maybe getting a HFC or TP. GL!
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