My advise is to be patient and wait until you have enough money to buy something that sounds really good - a system that you won't need/want to replace for a really long time....even better, forever. People so often say that they can't afford to do this, that they want something now. You can't afford not to! If you by some craptastic system for 400 dollars, you will not be happy for the long term and will most definitely have the itch to upgrade soon and spend even more money. Save your money now and by a nice integrated amp. Save your money more and by a nice pair of speakers on Audiogon. Save, save, save, save.......be patient and wait for the right gear to go up on sale on Audiogon. Don't by a budget system unless you know you'll be perfectly content with it.
I once bought a pair of Wharfedales with a NAD c352 amp - man was that system mediocre! Never really enjoyed the music. Later I upgraded to a nice French amp with a pair of Spendor S5e's...I'm in audio nirvana. Wish I would have just held out and saved for the better system in the first place. I guess some people can be happy with less, but if you have discerning ears, wait it out and get the good system.