Ok well I decided that seeing how I can't really afford a "decent" 500 watt psu or one that I actually like I would try and go with more of a decent lesser watt psu...so here is what I came up with Enermax Liberty 400W I liked having my x-connect for one reason being able to only use the cables I want and need because I have a acryllic case and hate having cables around especially when im not using them...like to try and keep it clean as possible for best airflow within case...the only question now is will this power supply be able to handle the system I have and also I am going to be overclocking and don't need a repeat of my dang power supply frying the motherboard...so here are specs

P4 3.2 HT Presscott
Vantec Tornado
DFI Lanparty 875ProB
2x1gb G.Skill
BGF 6800GT
2x60GB HD's
SB Audigy 2
48x12x48 CDRW
16X DVD
4 case fans
4 UV Cathodes

I have no idea what draws what kind of power so just wanted to list everything possible that the psu will be connecting in to...also I saw that it has dual 12V lines and for PFC it is Active..I know the dual 12v is a good thing but what about PFC??

Ok that is just about 80.00 dollars. the liberty 500 w is 109 I know it's 30 dollars more but it will be worth it in the long run for that system. Is there anyone you know that you can borrow the extra cash from?

Modular cables, accessories, etc. should NEVER be the main consideration for purchasing a PSU. Performance and reliability is always above all else. For $80 you can get a very nice PSU that can handle that rig with room to spare, but you would have to do without modular cables.