Shifty,
If you tell us your size and weight and such, most likely someone here has an older but good jacket in their closet that they would give you or sell cheaply.
You need a 3-part system:
1) undergarments next to skin
2) insulation garments
3) outer shell
Go with merino wool undergarments, as they are the most comfortable, work great, and won't STINK.
Go with synthetic down and fleece as insulation. Especially, get yourself a synthetic down vest or two. Vests keep you warm without restricting blood flow through your elbows, which makes your hands cold.
For cheaper-priced shells, check Sierra Trading Post closeouts. Marmot Precip (or any eVent fabric) is a good value.
