I say get a proper point and shoot (P&S). Once you have been shooting for sometime and find that its the camera that's restricting your shots and not your own skills, then consider moving on to a prosumer/super zoom or to a DSLR. No point you get a DSLR now to realise later that all you want is to take casual photos.
I would recommend that you take a look at the personal classified section in this forum to have a guage of the 2nd hand prices of the cams. Maybe you would like to increase your budget or get a prosumer cam instead.