Lol, I think that you will find that it is very, very easy to spend a lot of money collecting beads once you buy a Pandora. I got a silver bracelet with a gold bead clasp from dp for Christmas . At the mo I have 3 'silver with yellow gold beads' for it. The silver with yellow gold beads are my favourites. The gold beads are also gorgeous but you would spend your bag fund on just a couple of gold beads very quickly, lol....
I plan to get a new bead every now and then. The beauty is that you can spend a little or a lot depending on what 'look' you are after for your bracelet
I'm thinking of going with a leather bracelet with just a few beads to get me going! I want something that isn't too dressy so i can wear it day to day.