A lot of good advice being given - hopefully some of it will be applied.
I grew up poor and couldn't afford things just because i wanted them - so learning this lesson that was drilled into me all my life comes into play here...
If money is tight - your best bet is only spending it on equipment that will last a long time. That way you aren't throwing good money after bad when the cheap crap breaks or the used piece of gear finally gives out.
Buying used is a great way to save some cash - but - if you don't know what you're buying - you can throw away an awful lot of money. That is why i always highly recommend KEH -
Buy & Sell New & Used Cameras – Canon, Nikon, Hasselblad, Leica & More - KEH.com over just about everyone else out there - due to their rating system and their business ethics just dominate the market in used gear.
Lets say you find a pawn shop gem or a craigslist camera for a great price - with all of the ways people can sell used items, you have to ask yourself "why is this so cheap"? ... and "why is it in a pawn shop and not on ebay?"
What if that gem has some sort of shutter damage from some idiot who used one of those little compressed air cans to "clean" the inside of the camera? New shutters can be very expensive!
Or how many times was that cheap camera dropped on the ground? It may never focus correctly ever again! Who is going to tell you that?
Or maybe its just slap worn out - "rode hard and put up wet" so to speak. Shutters have a designed failure rate built in - the cheaper the camera - the lower number of shutter actuations before it has to be replaced.
I just sold one of my pro bodies - it was about two years old, i had it sent in to Canon Professional Services to clean and check it out before i sold it - as that is the right thing to do if you wish to be fair to your buyer. I also asked them to get a shutter count on it (something that isn't easy to do on Canon cameras). It had 106,000 shutter clicks - that would mean certain death to most cheaper or lower quality cameras. (Kit cameras from both Nikon and Canon) The 1D Mark III is rated for 300,000 shutter clicks though and the buyer was informed before he paid me my asking price. It wasn't an issue to him - nor should it be. But how many pawn shops or amateur photographers you find on craigslist are going to give you a shutter count or even a decent evaluation of the condition of the camera you want to buy? Be careful - cheap isn't always best. I provided my buyer with the report from CPS that showed their evaluation and shutter count - expect the same from whomever you buy from!
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One correction - i read something above that needs to be addressed. Just because there are spots on an image that was shot at high aperture does NOT mean there is damage to the camera. It simply means there is dirt on the sensor. All cameras with removable lenses eventually have to have the sensor cleaned. Some dirt is pesky as hell to get off. The sensor cover can get scratched if cleaning is done improperly. (another thing to know when buying used - you don't want a scratched sensor cover!) If you've never done it or are unsure - always send your camera in to either Nikon or Canon and let them risk scratching your sensor - if they do, they replace it for free - if you do... guess who pays!
High aperture (ƒ 11 to ƒ 32) actually creates such a situation as too much depth-of-field on the camera end and shows every bit of dirt laying on the sensor in nearly sharp detail. I have to clean my sensors almost every night after an airshow or air-to-air mission as these are dusty environments.
Hope this info helps!