Trust me and the others, buy a Tikka. Find a Whitetail Hunter if you can, the T3's aren't quites as nice in fit and style in my opinion (but still shoot as well). Since money is tight the Bushnell 3200 Elite gets much good press from what I've read (although I've never looking through one).
My Tikka shoots pretty good out of the box. Once I get the handloads dialed in I think I'll shoot a little better. Probably glass bed it this summer for the fun.
100 & 200 yard targets:
300 yard targets: