DONT MOD IT. Save your money to buy a nice car down the road. Use your saturn for a few years, maintain it well and keep it in good condition. Sell it in a few years and buy something better. If you really cant hold back on modding, just buy a cheaper car to make fast (omni glh or other dodge turbo, eclipse GST or GSX, or just about anything else with a turbo). Keep your saturn stock and build a nice weekend eclipse to have fun with.
I am not trying to bash your car choice. I am sure it gets great gas mileage, and it must be nice to have a new car under factory warranty. Your car is not a great performer to start, why start wasting your money?
I would limit myself to do-it-yourself kind of mods like painting the grill if I were you.