A good rifle will sell for around 80% of the price of the same or comparable gun new in 10 years and beyond, if it's kept in good condition, and maintained... The cheaper ones will sell for a much lower percentage... From my observations, between 50-70%.
After WW2, a mauser rifle sold here for between $5-$10. Now, good examples in good condition sell for $500-sometimes $1000 if all numbers match and the gun is immaculate.... The Lee Enfield (which in my mind is a much poorer design of gun) at the same time sold for $7-14. Now, they sell for $150-$400.
I did the cheap gun thing too... I regretted it. I wished that I had saved a few more dollars and bought a better gun, instead of having the money burn a hole in my pocket, and trying to recoup losses later... And I lost in the end... Big time... Inflation adjusted, I lost 50% on each of those 2 guns... Had I bought a better gun, such as a CZ at the time, I"d have only lost 10% inflation adjusted... I kept both those guns for 10 years... They also made me dislike shooting...
As a side note, a friend of mine went shopping for guns with me and picked up a savage rifle, and shouldered it, and then said that it felt like a piece of junk... said he was buying a CZ or a CIL/anshutz.
For the OP, maybe he should look in the EE for a really good rifle and scope combo in .22lr, and get really comfortable shooting, sighting in, get an understanding of bullet drop, get past trigger flinch, etc, and save money for a while while he is learning to shoot, then buy a centerfire rifle.