I'm 13 too. If money is hard to come by, which unfortunately for most of us it is, I would also suggest building from plans.
www.3DBatix.com and
www.3DFoamy.com have good basic plans. (not as advanced as their kits but they still fly great)
I have been saving all my life for everything that I have and will have. But I still need a job. (other than my life savings I'm broke)
Brandon