Hey, you could have the SCAR sooner than you think. Just go through all your stuff and ebay as much of it as possible. You'd be surprised how much all those little knick knacks are worth. I've sold literally thousands of dollars of my old electronics, computer parts, watches, barely-worn clothes, tools, etc., on ebay, and it's all covered my FN purchases quite nicely.
Hell, most of our toolboxes are stuffed with literally hundreds of $20 tools without us even knowing it--that stuff adds up quick!
My rule is: if I haven't used it in a year or more, get rid of it (unless it is too costly or very difficult to replace).
An equally useful rule is: Don't buy it unless I've needed it at least five times in the past. Boy, that saves me a whole lot of money!