As for saving money doing a home build, the only way I see that happening is finding the parts you want/need on sale during special promos and avoiding the inevitable swapping of parts on a factory gun.
Each handguard, pistol grip, gas block, BCG, charging handle, butt stock and safety switch you swap out represents more money invested in that "cheaper" factory-built rifle. If you are satisfied with the "as delivered" features and parts, then the factory rifle would normally be less expensive had you built one of equal quality parts.
The Spike's Zombie rifle my daughter and I built ran about $1,000+, not counting any tools which I already had from my own build. Most expensive part was the barrel. Put a lo-pro adjustable gas block, VTAC Alpha handguard, Magpul storage grip, Magpul AFG, Aimpoint PRO red dot, Magpul BUIS, Magpul ACS stock, and Geissele trigger.
If I were to have purchased a factory rifle then upgraded some of those parts, the cost between that and a home build would be similar.