@Gary
Ah sorry about that Gary, I had not being reading very carefully I guess. I did not see the limit of 100 dollars, my bad.

@Bluesky:
Imo I have seen a lot of true and useful advices here. For you the task to find the right one that suits you. Reading your post again, and all the input of the other members it brings me to this final conclusion:
In this case I would pick from all those suggestions the podcast that Ryszard suggested, although the quality for that amount of money might not be superb, but it at least gets you going. I couldn't find any specs for it, so I really can't tell how it will sound like. For the available amount of money, I think it is the best advice for now, although I would suggest another possible solution as well:
1.You save some more money to do it right at once (I think that was also mentioned)
or
2. Change your BiaB purchase if possible. If you are planning not buying one of the minimal packages of Biab (e.g. Pro or Megapack), but a large one like superpack or higher, save some money on that and buy the megapack instead. That way you got a bigger budget to buy a more decent mic and soundcard.

Your head might get an overload of all advices flying around here, but at least this forum is very supportive aye? Just take your time and weigh all posibilities carefully. As Ryszard mentioned, we all learn by trial and error, but at least pick a solution that suits your needs for now and keep all those advices in the back of your head when making your decisions. Goodluck!

I'll be back...