Don't eat that pizza as often. Smoke one less pack of cigarettes a week. Don't go to the movie theater every weekend. Eat less fast food. Things like that add up quickly.
And, don't forget the reduced doctor's visits! And, for the fast food, less stomach medicine.
Might I suggest a Beretta 92/92A1/M9? Very nice gun in OP's price range, and hi cap, too. But it's in 9mm. If you like, the same gun comes in .40, (96/96A1). The 9mm 30 rd mags can be re-fitted to take 20 rounds of 40.