Quick note on finding ships vs buying ships: check the inventory space of the ships before deciding. Most of the ships I find for sale have good stats but low storage. Most of the ships I FIND have decent specs and better storage. It's worth it (to me) to just fix it and have a solid ride than to save up and get something that ends up being a pain to use because of low space. I know the space is mostly based on ship class, but again, you can find a ship class that typically has low space as a fixer-upper with better space on it than one you can find that's for sale for the most part.
If you have the time why not get a somewhat better ride than your starter and use that as a jumping off point to fly around making money to save up for an expensive one with awesome stats? When I was playing Next I had 3 ships in my rotation: a fighter, a freighter, and an all-around type ship.
Hopefully I can get to that point soon with my new game in Beyond.