You know, not everybody is willing or capable at present time to dish out for the best, or for a matter of fact for anything that would be alright sounding.
Some people prefer to dish what they can now...than not being able to make better mixes than with what they got for a long period of time. People are desperate sometimes, but others just ain't gonna be able to spend that 300-400 bucks for a half decent monitors.
If they ask something... it's alright to point to them what are they gonna get for the money...if that's their budget...it's their budget. If you can't help because your believe's of the price range and the get nothing and save BS, then don't help...point to them the harsh facts and move on. let other people that have experience with cheaper equipment handle the suguestion part of it.
This is what i hate sometimes in here...people trying to get what they can...and if they can't some people can't and will not understand this and just bash in a way their decisions/budget. Not everybody wants the profesional output, some people do this just for fun, some just don't got crap and want the quick fix...again tell them the cons and move on. Don't keep putting in their faces that they don't have the mula necesary to produce a near pro quality product, cuz guess what? 99% already know this.
check musiciansfriends.com americanmusical.com there are a lot of options in both and if you check americanmusical.com
They also have a 3 month payment plan which charges 1 3rd of the payment at time of purchase and then 1 3rd 30 days out and the last payment 90 days out of the day of purchase to a credit card or debit card as long as the total is 249 dollars or more...which this could be an option if you wanted to get something more expensive but can afford to dish out the money at one time...
Im a get some 499 monitors soon for which i will pay 3 payments of like 166 or so...Good option...im not paying more than i can in a month and im getting good quality monitor...well decent quality monitors!
BTW here's a search for monitors...check em out and check the higher prices...you could get a pair that's 299 for 99 bucks for 3 months
Monitors search in AmericanMusical.com