ok guys so Ive made a decision!!! ( yay!! lol ) I will go with the D7000! I always like a challenge so why not take the hard road and jump into this huge learning curve! i can do it =) everything listed down below i will be getting with only spending $141.38 over my budget (which i can live with) I decided on the refurbished cam and it includes all kinds of extra stuff; if i would of bought all separate would of cost me way more. Thank you for all your advice and support. I am a lil scared to dive into this new world but hey, im a survivor

Might as well spend the money now and get it over with so im not buying another camera next yr haha
1. 50mm f/1.8 AF macro
2. nikkor 18-55mm f/3.5-5.6 ED AF-S zoom
3. a Bower 2-in-1 power zoom i-ttl external flash and led light
4. spare battery
5. 32gb ultra high speed card
6. camera case
7. wireless shutter release remote control
8. 58" photo/video tripod with case
9. 2.0 SDHC high speed memory card reader
10. camera & lens cleaning kit
11. memory card storage wallet