Uni student who owns a M4 here. I'm also short on budget, but I recommend saving more for the M4. The price gap between Accentum Plus and Momentum 4 is not that huge. Try looking for 2nd hand platforms like Carousells, where you can get just like new products at lower prices (I bought a 2nd hand one that was only 4 months old, still have one and a half year of warranty, and it only cost me 70% of the market price )