Norio, I'd save up and get a decent card like the EMU 0202USB. It goes for R1700. Seen them at some of the Music Mates and at Turnkey. One of my mates in KZN raves about the quality he gets from one of these versus the other USB cards he's used before. Really good A/D converters for the price (i.e. sound quality - not all cards sound the same. R800 is not going to get you professional-sounding recordings), good I/O options and a good software bundle.
I've used the EMU 0404 PCI quite a bit and I can vouch for the quality of these cards.
Alot of I/O options (1/4" Jack, 1/8" Jack, XLR), 2-in, 2-out and a built-in headphone amp. Includes alot of software: Cubase LE, Sonar LE, Albleton Live Lite, Wavelab Lite and some soft-synths.
With this you'll be able to record a mic and a guitar simultaneously and you won't have to buy any extra software. The included soft-syths should get you recording complete tracks pretty quickly.
http://www.emu.com/products/product.asp?category=610&subcategory=611&product=15186