Onwe thing I'd suggest is NOT buying the top-of-the-line. Buy a chip about 6-12 months old.
Eg:
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AMD - Socket 939 - CPU
Athlon 64 3000+, 1.8GHz, Socket 939, Retail pack with fan $283.09 $3 Buy
Athlon 64 3000+, 1.8GHz, Socket 939, Retail pack with fan
(higher price, but in stock now) $283.31 $3 Buy
Athlon 64 3000+, 1.8GHz, Venice Core, Socket 939, Retail pack with fan $296.20 $3 Buy
Athlon 64 3200+, 2.0GHz, Socket 939, Retail pack with fan $362.88 $2 Buy
Athlon 64 3200+, 2.0GHz, Venice Core, Socket 939, Retail pack with fan $370.44 $7 Buy
Athlon 64 3500+, 2.2GHz, Socket 939, Retail pack with fan $495.18 $10 Buy
Athlon 64 3500+, 2.2GHz, Venice Core, Socket 939, Retail pack with fan $495.18 $5 Buy
Athlon 64 3700+, 2.2GHz, San Diego Core, Socket 939, Retail pack with fan $624.94 $4 Buy
Athlon 64 3800+, 2.4GHz, Socket 939, Retail pack with fan $691.76 $4 Buy
Athlon 64 4000+, 2.4GHz, Socket 939, Retail pack with fan $895.95 $24 Buy
Athlon 64 FX-55, 2.6GHz, Socket 939, Retail pack with fan $1,557.34 $44 Buy
Athlon 64 FX-57, 2.8GHz, Socket 939, Retail pack with fan $1,964.45 $28 Buy
Athlon 64 X2 4200+, 2.2GHz, Socket 939, Retail pack with fan Email $1,019.70 $33 Buy
Athlon 64 X2 4200+, 2.2GHz, Socket 939, Retail pack with fan
(higher price, but in stock now) $1,065.68 $33 Buy
Athlon 64 X2 4400+, 2.2GHz, Socket 939, Retail pack with fan $1,112.51 $13 Buy
Athlon 64 X2 4600+, 2.4GHz, Socket 939, Retail pack with fan $1,496.03 $2 Buy
Athlon 64 X2 4800+, 2.4GHz, Socket 939, Retail pack with fan
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Don't worry about the prices - they're in $NZ, but the principle is the same. The extra few MHZ you get on a top-of-the-line chip probably isn't worth paying 3x the price to get it, considering that for most applications the real difference in performance won't be overly noticeable (depending on what you're doing). And in 6-12 months, the price tag on those top-of-the-line chips will probably have halved.