I Know what you mean there, my first MTB was bought by saving my wages from paper round and weekend job for 6 months then I could only afford a Raleigh Maverick GT, things like 21 speed, indexed gears, QR wheels, Ti railled seat and suspension were pipe dreams.
However I have put this together on a lower budget than my Maverick cost as I had a couple of lucky scores on the original purchase (Crossrides and Maguras) which paid for the frame, forks and wheels.
Carl.