" I have a problem with saving large amounts of money at dollars an hour 10.00 an hour." I very much understand that situation. Just bear in mind, if the deck has delaminated, or the hull has extensive blistering, or there's a problem with the keel, and you can't fix it because you need an extra thousand or three in materials (and you'll be paying yard fees and not sailing the boat while you do that work for many hours), or in the worst case you find out the boat is terminal and you have to pay a hazmat waste disposal fee to get a hauler to take it away...
Sometimes an old boat is a bargain, but sometimes it is a big surprise. Just find someone who knows enough to make sure it won't be a big surprise. And of course, look into whether you'll be required to have insurance, which may require the survey anyway. Some of them require you to use one of "their" approved surveyors, so that's something to find out ahead of time.