Shows can be a good place to wheel and deal for that morph you're looking for, Also many breeders will work out payment plans with you. Some are more flexible than other's and some just don't offer them at all..

I'd say figure out what you're wanting to buy morph wise, and then look at a good average price range for them. Then start emailing and calling breeders, you'd be surprised how many people will work with you. It's just going to depend on the breeder and how flexible you're asking them to be. Asking for shipping included on a 150.00 purchase might be pushing it but asking for shipping on a 550.00 buy might not..