All I really want is a digital camera.  

Fantastic! You really need a SLR.
I got Nikon D90 with the 18-105. Just the same to you, photography is my main hobby. This year, I have planned to buy a new lense and a new tripod. My first choice is nikkor 50mm f1.8 or a wide angle one. I'm a student now so I don't have enough money to buy the lenses that I like. My dream is having my own studio.

have you thought about a used DSLR? I purchase a refurbished DSLR and it works fine but saved close to $100. I have seen used DSLR for a very reasonable price. Talk to your local camera store, they may beable to put you in contact with a photographer who is upgrading and would be willing to sell their old equipment.

Good Luck

AMEN!

LOL, that's funny.. I have always wanted a camera too. One that is waterproof so I can use it even underwater. Good for you, you have Kodak while I have nothing at all.

The choices are so wide and so many new models are released every year that there are great bargains to be found in the second-hand and superseded camera market. $90 may not by quite enough (though it would be a very fine second-hand SLR film camera!) but you should haunt eBay: who knows what you might find?

AMEN! I know what it is like to dream of cameras and equipment and not have the funds to buy what I really want. And I have a studio! I will warn you, even after you get your first one, that feeling never goes away, as long as you love photography. There is ALWAYS something on your wish list to be saving for! First it will be the camera itself. Then it will be the next level lens. And a flash. And then a fish eye. And then a higher quality body. And the process starts all over!
The best suggestion I can give to you while you are working toward that first body and lens is to research. Then do some homework on the subject. Then research some more. Before you commit to Canon or Nikon (or Sony or Olympus or Pentax for that matter) you need to KNOW that is the brand you want to stick with. Weigh your options. Research everything you can find out. Go to some camera stores and hold the cameras you will most likely want to buy. See how much one brand's accessories cost vs. the other brand's. Lots of people don't think about this before hand, and you should.
And don't be afraid to buy used equipment. Ebay is where I have found almost all the equipment I use. Make sure you are buying from someone with a good rating, but don't be afraid to buy from someone there if they do have a good rating. It can save you a lot of money. And don't get too wrapped up in the body. If you stick with photography, you will find that the bodies are the most easily replaceable component! Normally people suggest spending less on the bodies and more on the lenses. This is good advice, for the most part.
Hope this helped a little! Good luck in your search! I hope you can find the right camera (and enough funds to buy it!) soon.