There are alot of guys that have alot more experience with 3D than me that will add some interesting information. However, based upon your comments above certain things jump out:

Learning 3D can get expensive without a simulator to practice with for obvious reasons. Do you have a Sim and have you been using it. I learned to hover on a Sim and have never "lost it" in a hover as a result, (knock balsa).

Secondly, I think you answered your own question with regard to your "budget". As I indicated above, 3D is expensive for several reasons. Primarily, the quality of equipment required for a good aircraft increases and thus increases the investment and when your "training", accidents are bound to happen. Foamies are an excellent way to begin with 3D and that's how I, (coupled with a simulator), taught my 14 year old son.

Everyone gets eager to advance but reign in the horses and keep practicing with the Sim's and the foamies and you'll be alot happier with the result and ready when you get your hands on that first big gasser.

Just my 2 cents...

Good luck & Merry Christmas,

Cryhavoc!