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FWIW I am no expert at tile. I have tiled 2 bathrooms, a laundry , and 2 kitchens, one was Canalratts. I put ceramic on the floor in a rental, it has held up well for 7 years and the last 5 with a toddler dropping crap on it. I have only had 2 issues. The first was the laundry while we were still working on the house my buddy dropped a 26 oz hammer on a tile and it cracked. I replaced it. My wife dropped a jar in front of the fridge, jar broke, and it chipped the edge of one tile where the jar hit. Ceramic doesn't look as nice as other stuff, but it is clean and new so it will be fine. IMHO if it is just you I say go for it if it needs to be done and the money is not there, you will be fine. It is tile on concrete, you can always replace it again when you have more money or you are sick of it.
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