if you need to ask this question, means you have not done the research of the market rate vs the BNS rate. if you did, you will know if its a good deal. if its 20percent off for a camera thats over 18 months old, i will not hesitate to get a NEW piece.
you already mentioned this is YOUR MONEY. why are you asking us hw to spend it? what if all of us tries to punk you, and get you to buy the camera when its totally not worth it? are you going to listen to us?
and come on. nothing to do with being poor or what. if you need to scrimp and save and think soo hard if to get the camera, den dun get it. This is a hobby, and it should be an enjoyable, happy thing that you get easily without thinking too hard. if you are going to be broke after you get it, better not get it. unless you are a person that will look at the camera all day long and be happy with zero dollar in your pocket.
you are a big boy, learn to make tough decisions yourself. nobody should be deciding such things for you.