I waited for about 17 years before getting my yorkie
so I know all about waiting. Honestly, wait until you have $2000 saved. I know, it's alot but get EXACTLY what you're looking for and you won't be disappointed.
Don't get another type of dog, save your pennies and get a yorkie. Half the fun is looking(all those cute faces). I'm in Michigan too and I actually had a horrible experience with a local breeder. I ended up having both my girls shipped. Shipping is CAKE if you are dealing with a reputable breeder who knows what they're doing and it's a safe age and weight for the puppy. I had to wait till my last one was 5 months old.
Keep in mind, people who need to rehome a puppy don't always know what hard work keeping a puppy(especially with a kid) can be. So, don't let that steer you away from buying a puppy that someone thought they could handle but can't. I also live in Michigan and I saw yorkies at a kalamazoo pet shop that were HUGE for puppies and were $900+ EGADS. Keep looking and keep saving!!!
There really aren't that many "necessary supplies" and I've always had pretty healthy dogs and my vet bills are ridiculously low. I do live in a small town though.