Since it sounds like $$ is an issue for you all, this may not be an option right now, but definitely worth saving your pennies for! I absolutely LOVE BOB, the mean guy in my workout pit that's stands there with a mean stare just waiting for me to lay into him, ha ha! It's made by Century, and BOB is an acronym for Body Opponent Bag. But he's not a bag, he's a rubber man, tough rubbery stuff. (Now if only I could get a list of what everyone means by the acronyms used on this forum!
BOB can be height adjusted, taken off the post for practicing self defense moves on the floor and comes without shorts/regular,
http://www.amazon.com/Century-Bob-Body-Opponent-Bag/dp/B000F00DSO
or XL/with shorts to practice those 'lower kicks', (called 'with groin'),
http://www.blackbeltshop.com/bob_with_groin.htm