sc3283
St Louis
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Joined: 01/15/2008
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ZERO & it doesn't matter what it is worth because it is not for sale
04 D-Max Crew Dually
96 Monaco Dynasty 36'
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armyeng
Yelm Wa
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Joined: 09/05/2010
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Locky wrote:After my 10 year loan is paid off in another 4 years I will have paid an extra $2800 on our camper in interest. That averages out to $280 a year. Pretty cheap if you ask me. If I would have saved up money every month and waited until I had enough to pay cash for it. I would have missed the past 6 years of camping and making memories my kids will remember for a lifetime. So I would have to say if your the type that want to save up until you can pay cash for it then more power to you but for an extra $280 a year I would rather be out camping with my family than sitting home getting old.
Of all the posts on here...This one sums up my feelings exactly!!!
Currently have a TC that I paid next to nothing for, also currently looking at used 5th wheel TH and will be buying within the next couple of months. Have a decent amount of money to spend on one, and can probably find one and be able to pay cash, but if we find something we want and have to finance some of it to get the one we want, then so be it.
Myself, DW, and 3 kids will be out camping, and making our monthly affordable payments, smiling the whole time and making camping/traveling memories, while some sit at home waiting to be able to tell themselves "I PAID CASH", just to be able to pat themselves on the back.
My snowmobiles= paid for with cash
motorcycle= paid for with financing
Truck= couple more payments and its mine
Jeep= paid off
Truck camper= paid cash
The fun we have had using all of these things is worth all the amounts of financing put together plus more....
Just because I have financed purchases does not make us irresponsible, or living beyond our means.
We go into it fully knowing the depreciation on financed purchases and what finance charges are going to cost.
BUT
there are times that all that added up doesnt come near costing more than the enjoyment we get out of it.
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FunnyCamper
Southeastern
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Joined: 09/29/2011
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Locky wrote:After my 10 year loan is paid off in another 4 years I will have paid an extra $2800 on our camper in interest. That averages out to $280 a year. Pretty cheap if you ask me. If I would have saved up money every month and waited until I had enough to pay cash for it. I would have missed the past 6 years of camping and making memories my kids will remember for a lifetime. So I would have to say if your the type that want to save up until you can pay cash for it then more power to you but for an extra $280 a year I would rather be out camping with my family than sitting home getting old.
good post! Agreed!! life can not be put on hold or paid in cash all the time for everyone.
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Homer
Northeast Indiana
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Joined: 11/23/2000
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This is why I own bank stock, lots of good customers out there willing to pay me to have fun.
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dahkota
Washington, DC
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Joined: 01/20/2011
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We owe $0 on our truck and $0 on our tt. The combo is worth about $46K. We know this because we have been looking at trading them for a C and a Wrangler. Problem is, this close to retirement, we just don't want to go into a long term debt situation. Taking on an extra $50K in debt would require us to work an extra two years to pay it off. We could be out fulltiming for those two years instead. If we still had ten years or even five years to work, we would take on the debt no problem.
2008 Ford F250 diesel
2013 Keystone Sprinter 277RLS
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dreeder
Castle Rock, Co
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Joined: 08/07/2010
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SolidAxleDurango wrote:
Worth = $0
Owe = $55,000
LOL....I hear ya.
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winnietrey
seattle
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Joined: 03/26/2005
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Something no one has mentioned is. If you use financing wisely, besides getting you out and camping with the kids before they grow up.
It can allow you to buy a "better, newer" RV. That does not break down all the time and need major repairs constantly. Interest you pay can pale in comparison
to trying to keep one of those on the road. Not to mention the hassel and stress.
I am just against folks going way overboard to buy an RV, and stressing the rest of their life to make the payments.
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armyeng
Yelm Wa
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Joined: 09/05/2010
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winnietrey wrote:Something no one has mentioned is. If you use financing wisely, besides getting you out and camping with the kids before they grow up.
It can allow you to buy a "better, newer" RV. That does not break down all the time and need major repairs constantly. Interest you pay can pale in comparison
to trying to keep one of those on the road. Not to mention the hassel and stress.
I am just against folks going way overboard to buy an RV, and stressing the rest of their life to make the payments.
X2
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MALE*RN*777
Western MD, USA
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Joined: 04/24/2003
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2009 Retailed for 25K and they were asking 20K traded in 2001 Coleman Sante-Fe Pop-up on it which they gave me 5K. Paid it off last year after taxes so owe Zip on it. Not sure what it is worth but we love it.
03 Ford F150 XLT
Good-bye old friend --- 01 Coleman Sante Fe Pop-up
Hello new friend --- 09 KZ Coyote 23CR Hybrid
Me  ,The Wife ,The Boy ,Girl 1  ,Girl 2 
We are Blessed.
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Kit Carson
Northwest Louisiana
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Joined: 01/25/2012
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Bought my Winnebago Class C new in 2008 when I retired. Paid cash for it and traded my old Class C in on it. Can't put a price on the value of it because of the pleasure, excitement, and experiences it has provided for me and the wife.
KIT CARSON
GOOD SAM LIFE MEMBER
USAF VETERAN
ARS: KE5VLE
NORTHWEST LOUISIANA
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