Not to be rude, but if you are still not sure if you can afford a beardie, an aquatic turtle is NOT for you.
Although I've never had one, I had to do some research on them because my 4 yr old cousin got one, and they knew absolutely nothing about it. :x So of course I got to figure out how to care for it properly...
But, unless you are prepared to have a 100 gal + aquarium or a pond, an incredibly and constantly nasty tank to clean (they are probably THE messiest aquatic creature you can get), replace UVB lights every 6 months, and feed it and care for it for the next 50 years or so, don't even consider it.
Again, not trying be rude, but you can probably tell that I don't think a turtle is a responsibility to be taken lightly.