I hear you on the cash flow, pal......
Last year was tough, with our older son going through cancer treatments and losing his job, it took a little chunk out of our savings to help get them trough (he's back to work now at a better paying job, closer to home....so it worked out for them).
I am seeing AR's in this area for as little as $600 with a hard case and extra mags....but funds won't allow another purchase eight now.