OP wrote:
"I have a tight budget"
Possible course of action:
Hold out for about 3 months more.
By then, Apple-refurbished 2024 Minis will probably start showing up in the online Apple Store.
Generally, the discount is around 10% or so.
What this means is that you can get an Apple refurb and get "more for your money" than you would normally get by "buying new".
Apple refurbs are almost always indistinguishable "from new". And you get the full 1-year warranty, same as if it WAS new.
I bought my 2018 Mini in January 2019 that way, and it's still sitting here on the table doing fine almost 6 years later...