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Check your LBS for deals on used or last years' models to save money. I know of one person who got an $800 Giant for like $450 just cause it was last year's model and the shop wanted to get rid of it. A lot of places I know of also do swaps. So if you're willing to let go of your hybrid they can put the trade in value towards your new bike. One place here in Ohio will even give you more than what it's worth during swaps, though it's only like 5% every little bit helps.
As for internet bikes, I wouldn't say it's a complete no-no (others may disagree), you just have to know what size you need and what condition it's in. You can either hit the jackpot with them or you'll miss completely.
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Someday, I'll have enough money for a big girl bike!
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