Honestly, my advice to you is to take as long as you need to put away enough money to buy something above "bare minimum" for a graphics card. I've bought cards that were pretty much budget/performance cards and it's something I always regret skimping on. Now, I wouldn't be able to spend a ton on a card so I always keep it sub-$200, but as a result that graphics card has always been the thing bottlenecking my game performance.
You don't have to leap for the Titan of the day, but get a good price/performance card. You'll be glad you did. I wish I could have done that.