Buying the parts as your budget allows can be the way to go for many.
One bonus to doing so is being able to basically hand select the parts you want for your rifle. M14-type rifles have historically expensive compared to ARs.
My thing is to assemble rifles with NOS or serviceable USGI parts. I don't buy commercial parts personally when I can help it, but that's just one of my quirks. The gov't spent inordinate amounts of money on QC for materials, geometry, hardness, and other specs to ensure that DoD M14s were assembled from parts that were made to such high standards that a soldier, Sailor, Airman, or Marine could absolutely be guaranteed to the extent that it's humanly possible that his rifle would work without question. There were no shortcuts from the time the ore was purchased as it came from the ground to the when the part was phosphate coated and passed inspection criteria.
That is not to say commercial parts aren't of good quality either. Think of it as parts made by good people that give a damn, but without all the gov't bureaucracy. Also, affordable precision manufacturing technology has advanced beyond anything we had in the 1960s.
Buy a quality receiver first. It can be cast or forged. Me? I prefer forged. Buy a USGI or quality commercial barrel like one from Criterion, and bolt. I prefer USGI contour chromed lined barrels, but that's up to you. Then, have the receiver manufacturer install the barrel and fit the bolt by lapping with the proper lapping tool if needed. I've had LRB do this on three rifles that I then completed, and every one of those rifles shoots as straight as one could hope for. The rear sight is lined up with the middle windage index mark and the front sight blades are too-very satisfying. Trust me when I say it's worth the money spent to have someone do the install that have the tools and experience to do so. Expect 1.5-2.0 MOA accuracy from a rifle that is properly assembled firing good ammo. Instead of a USGI op-rod spring guide, purchase a NM version from Sadlak Ind. They shrink groups a bit and make for smoother operation during the conduct of fire.
At this point you're easily in for over $1,000.00, but with an M14-type rifle you get what you pay for. A trigger group ($300.00 give or take), rear sight assembly ($85.00-$115.00), gas cylinder assembly ($165.00), gas piston ($15.00), front sight, flash suppressor, and castle nut ($120.00), and stock (pick a condition and price from Treeline in CO) to complete your rifle.
As an aside, I've found that dropping the rifle into a tight fitting USGI wood stock produces better accuracy than using a USGI synthetic, but expect to fire a few rounds through the rifle before it "settles in" to the stock and produces optimum accuracy. I personally don't remove the barreled receiver assembly to clean my rifles after I shoot them; swab out the bore, clean the gas cylinder and piston (leave dry), use a Q-tip on the bolt face, ensure the receiver raceways have rifle grease on them, wipe down with an oily rag, and call it good.
Despite the high costs, ten years from now you'll wish you'd had the money to buy two or more at today's prices.
The good thing is, that you don't have to come up with the money all at once in order to add one to your inventory.