You won't find more beautiful beaches than the Emerald Coast (Pensacola, Destin, Panama City Beach)
The sand, water, etc are much nicer than the Atlantic coast (unless you're a surfer in search of big waves)
You will surely be able to find quality accommodations on a budget.... check our
panama city beach hotels, our
destin hotels or you can
compare hotel prices.
Clearwater and Sarasota also have nice beaches, but they are not in the Panhandle -- they're in Southwest Florida. And, I'm betting you'd find better deals here in Destin, Pensacola, Panama City, etc
When will you be traveling?
For peace and quiet on a budget, check out the west end of Panama City Beach.
Be sure and
visit 30-A (seaside, grayton beach, rosemary beach, etc)... it's beautiful.]
And, make sure you check here with questions -- we have some great locals who give solid advice to travelers visiting our area.
P.S. Welcome to the forums!