Spending six months of your savings sounds a bit heavy. I've not looked at it for a long time, but there used to be a free package called MakeHuman that allows you to create and export human figures. Would be worth a look. Now you reminded me of it, I will take a look as well.
Within Blender, you need to 'rig' a model with bones so that you can pose it. This is a complicated process that would take some time to get your head around. Within 3D, rigging is seen as a specialist skill. Within Blender, look for the 'rigify' tool to get a starter set of bones for a human character.
I would recommend being very careful before spending your hard earned cash, there are nearly always viable (and sometimes excellent) open source alternatives you can learn on for free.
Some of the big commercial outfits also have fee trial options, I am thinking of Daz3d in particular. I have tried these in the past, but the limitations imposed with the free trials are deliberate and designed to force you to buy at some point. Personally, I much prefer working with the open source options which also come with active and supportive communities behind them. Help is usually only a Google search away.
Careful, this stuff can take over your life!