Well, it'll take a lot of learning, its not like drawing pictures, but I would use,
Free apps I would recommend;
Anim8or (Don't use to export models into DB, just use for cutscenes)
Blender (Awkward interface, but very good a powerful)
Buyable (Slightly out of your price range)-
Shade 7 designer LE £56
AIST movie 3D £68
Other modelling packages I can think of won't let you render to animation, google em and check out which one you like best dude
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