I'd suggest you get some Baader Solar film and make a filter for whatever small refractor or scope you have available. At $20 or so it's a cheap way to start and will give you some solar viewing pleasure and experience.
I made one for my 80mm f5 and it gets a bit of use whenever the sun appears. Quick and easy to grab & go and I've even taken a few pix with it through the DSLR and an adapter.
And keep saving for the PST ....
