Dude! go buy it right now! Kingdom Hearts Birthy By Sleep is AWSOME!!!!!.....
well...honestly I haven't played it LOL! but I'm currently playing God Eater Burst and it 's GREAT!! anyway
as for your money problems, if you wanna save some cash, you can always be an ass, just download your games, and be like captain hook, i heard their signing ripped games now for official firmwares, and you dont need no loaders..though i'm not really sure.