HRM suggestions/help

So for a while I figured the HRM's on the gym machines were enough for me to see what I was burning but now I'm going for walks/jogs, bike rides, swims, and just being more active in general so I think it's time for me to invest in a HRM.

Especially since I really don't trust MFP's calorie burn counts..

So my questions: What HRM do you all recommend/use?
Arm or chest strap?
Brand?
Seller?

I'd prefer not to buy one of those $100 HRM's because I am on a budget and that would take longer for me to save up and purchase BUT at the same time I would like the best so I know how many calories I'm burning.

Thanks everyone! :)

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