Hi Snerkler,
I'm new on here, so first let me say hello.
Sorry to hear about your finances, but you'll find the Olympus OM-D E-M10 both marks II and III are not too different.
If you want maximum customization, then it's the cheaper MkII. Whereas the slightly upgraded MkIII has better software and more ergonomically positioned controls, they've removed some of the customisation options, to make the camera easier to use by entry level photographers.
I'm a professional photographer, with 40+ years in the game, and I'm very impressed with the OM-D E-M10 MkIII. I've also got the E-M5 MkII, for days when I need a weather-sealed camera. But mostly I just switch between the two.
If you're after the most bang for your buck, Snerkler, then I'd recommend a second-hand MkII off eBay or a grey importer, like HDEW. It's a brilliant camera, which you will have no difficulty selling on later, or is always worth keeping for those days when you need a second body to give you flexibility in switching between lenses. Prices around £299 on eBay, but bear in mind you can get it new for only £269 from HDEW. (Just read up on the pro's and con's of grey imports.)
Have fun. The "retail therapy" will do you good,
The Bear