Please note you're asking this question in forum full of CPU enthusiasts, where the average member probably have something like a i7 2600k. They will of course suggest you to get a quad core, as they need to justify their own purchase.
But really, if you're on a budget, I am 100% certain that a dual core + SSD will give you a significantly faster feeling system. The system will boot much faster, applications and games will start faster. The only thing that would take more time would be things like ecoding/rendering/compiling code.
If money is no issue, sure, get a quad core, but really, getting a SSD should be priority #1.