QUOTE(aaron1kee @ Jun 27 2009, 09:20 PM)
Go for D40. Save up money for others.
Probably the best choice for low fund users.
You can get a new D40 at Rm1500~RM1700 (or second hand even cheaper, 900~1200). Most 2nd hand are always taken good care by the ex-user, like mine, if you're lucky you find D40 with a few months warranty left or with extra things (I got a free tripod and extra battery).
Why getting D40? Cuz D40 is cheap, although with only 6 megapixels, but it's very sufficient for large prints and megapixels don't affect image quality (unless it's only 2MP then it is

).
D40 also has higher flash sync speed up to 1/500, but D60 is only 1/200.
After getting D40 instead of D60, you might have extra money. Save it and invest in your FLASH GUN. External flash is very essential for taking photographs like portraiture especially in dark condition.
And don't forget you might not satisfy with kit lens, so after a few months you might want to upgrade your lens to zoom lens or get a prime lens or whatever lens you like. So if you are not funded it's advisable for you to get a D40 and save for other accessories.
Other things you need after getting D40:
1. Flash gun
2. Rechargeable batteries for your flash gun (can use cap ayam but the recycle time is long and the battery drains real fast)
3. Tripod (for night shot, slow shutter speed shots)
4. Camera bag (to protect your camera and lenses when you are going out, and it's not cheap e.g. Lowepro) ---- optional
5. Dry cabinet (to protect your camera and lenses from humidity, so fungus won't grow) --- Optional
6. Extra camera battery pack (spare battery when your primary battery runs down)
7. Filters (UV filter/ND etc)
.... and there are a lot else...