Is there an inexpensive way to turn spoken words into written words?

I'm looking for a software that records my voice and puts it into words. I need your help into finding a software that is:

1. Under 110 dollars
2. Works well with Toshiba labtops
3. Works on Microsoft 2007 or some kind of word processor
4.Is easy to use
5. And the added technology to use this is minimum or at the very least inexpensive (Meaning microphone, etc.)
6. Something that I do not have to look through a haystack to find
7. Highly liked and recommended
8. Understands my voice fairly well
9.Is not an app on an Iphone/IPod (I do not have one)
10.Is not download-able, and does not use too much of my computers memory (Does not matter the size: my computer is 5 or more years old)

There, that's easy!

Huh?

Dragon NaturallySpeaking 12 Home Edition costs $99.99.

I will tell you now though, my friend, that it takes a certain amount of 'training' before it will recognise [recognize, as I believe you're one of my American cousins] everything that you say. It will, initially, type out lots of things that it thinks you've said, which may not be what you actually wanted it to type.

I tried a version many moons ago and found that it was actually quicker for me to type it than to keep reading the same thing over and over again, and my accent is not one of the broadest ones that you can get on this side of the Atlantic ocean.

If you are using windows 7 it has a built in program, go to control panel and click on speech recognition, watch the tutorial on how it works, i set it up 2 weeks ago and it is very good, it recognizes nearly all words i speak, it can be used to control the pc or instead of typing in office programs