What type of boat
Make sure you have the propper electronics.
Auto pilot, gps/chart plotter, etc.....
Radar may also be a decision you''ll have to make.
As Paul stated, you have to figure out where you plan on cruising and what type of conditions you will be in. Than set the boat up for your specific requirements.
Costal cruising is not the same as ocean passages.
Be wise, don''t cut corners. With the budget you have in mind, you may have to settle on a good old boat, take some time to fix''er up, than enjoy your cruise.