I see that no one got around to mentioning the fact that gun prices are going nowhere but UP.
Here, I think the concept might be layaway. You get to freeze prices as well as guarantee that the guns will be there for you when you are ready for them.
You'll still be saving, but the gunshop will be holding the money. This is actually safer--unless you're keeping the $$ in the bank, any cash stash is vulnerable to break ins and casual pilfering by relatives/roomates.
Besides, if the LGS has it, you won't be able to spend it on frivilous things like food, clothing, shelter and car repairs.
I'd look into it...if you have two guns you want, you can put them on layaway on the same day, just use different tickets. That way, you can pay more on one and the minimum on the other until you have the first one paid off and picked up, then up your ante until you get the second one.
With used guns, however, dealers are MUCH more likely to bundle if you have a stack o' cash in hand. I once bought a Marlin 30-30 and a Savage 20ga pump for $400 OTD, just because I had the $$$ in hand.
The only other comment I have is that gun buyers seem to want their latest gun in hand RIGHT NOW then start saving the the next one...
Whichever way you go, good luck--
ed