The beer budget is all too important!!
I forgot one major expense is the marina costs....look on activecaptain for marinas near yu that might suit your needs.
I determining a boat....first, it will not be your last/final boat. We all upgrade, find other things we want,get good deals and just want to change.
second. determine your must haves for the boat (between you and those who are going to be onboard...especially your spouse). TOO many guys have gotten the boat of their dreams and had to either sell or divorce because the spouse was not happy.
Look at yachtworld, boattrader, local brokers, marinas to look around and see what you like and do not like in the style, amenities, number of engines, bells and whistles. Some like a walk around queen master bed, some like separate shower stalls from the toilet, some like large galleys, some need extra beds for family or guests.
This is where it gets personal and just for you. So look around, make lists, talk.
Determine how much work you want to do before you cruise. Some want a turn key, some want to work for a few years....you must determine that.
Your budget will get good deals. Many good older boats are around for such a budget