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Posts: 172
| Me and my girlfriend are in some kind of argument about boat and house priority.
I want to buy tuffy x170t
she think I shldnt buy boat and save money for house.
I think payment for tuffy is not bad and I think I can afford boat and house on future too.
I m just Torn on what to do. I have crappy 14' grummann that dad passed down on me. Would love to upgrade to bigger and fiberglass boat but again I have to keep my future other half happy....
What do you guys think I should do? |
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Posts: 158
| deafmuskyhunter - 1/23/2011 10:48 AM
Me and my girlfriend are in some kind of argument about boat and house priority.
I want to buy tuffy x170t
she think I shldnt buy boat and save money for house.
I think payment for tuffy is not bad and I think I can afford boat and house on future too.
I m just Torn on what to do. I have crappy 14' grummann that dad passed down on me. Would love to upgrade to bigger and fiberglass boat but again I have to keep my future other half happy....
What do you guys think I should do?
I used to travel all over the country racing a Camaro in Sport Car Club of America events.
I sold it so that I could spend more time with the family doing other things (she and my son always came with me to these races)
Two months after I sold it, we separated and then divorced.
You can guess what my opinion is.....EXCEPT.....Don't forget, not only will you have that payment, that you say you can afford, you will also have a MUCH, MUCH higher fuel cost, both in your towing vehicle, and the boat, and you will have insurance costs, (granted they aren't bad), AND those affordable payments last for 10-12 years in lots of cases.
The first couple years aren't so bad, but come several years down the road you will wish you didn't still have a payment. |
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Posts: 4080
Location: Elko - Lake Vermilion | Are you going to marry her? If not, do what you want and get the boat..... If your going to keep her as your mate and lover than you will be better off keeping her happy !
priorities, my friend........ If you are with someone now who doesn't like you spending money or your time on fishing stuff now, it won't get better after your married.
By the way,.... that boat won't keep you warm on a cold winters night.......
Jerome |
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| With the interest rates as low as they are and home values being down now is the perfect time to buy a first home.
Kirk |
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Posts: 172
| So used boat is a better options? Like in 6-8k range?
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Posts: 32880
Location: Rhinelander, Wisconsin | The used boat market is heating up right now, and the 'deals' that were there are disappearing fast. Let me know by PM when you are ready and I'll see what I can do for you. |
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Posts: 3479
Location: Elk River, Minnesota | You can get a really nice rig for that price!! It might have a little age on it depending on the combination, but definitely much more than what it would cost new...
One thing...the money you put into a home is usually working for you rather than against you as it does in a boat, car, etc.
I would agree with Jerome, though... If your short term plans are to marry this young lady, then I would say a house should come first. The longer you wait on a home, the more it will cost and the interest you pay on the home will be substantially higher than the interest you will pay on a boat...either new or used.
Steve |
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Posts: 3479
Location: Elk River, Minnesota | Like this one...
http://muskie.outdoorsfirst.com/classifieds/62758/Tuffy.Esox.Magnum...
A bunch of boat for a great price...
Steve |
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| you can't live in a boat.
what the girlfriend wants isn't the issue...your house is still your home and (probably) a great investment even if you don't stay together long term.
with the housing market (hopefully) at it's bottom, it's a great time to buy. a house is most likely to appreciate in the coming years and a boat is guaranteed to depreciate significantly. get the house and 5 years from now use a home equity loan for a boat. you'll get better interest rates and you can deduct the interest on your taxes.
a new boat is a luxury, not a need, and imho should come way after paying for your other real needs. look for something in the used market that you can afford, or spend a little money to upgrade your current boat with new electronics. it'll give you that "new toy" feeling, and you'll be able to keep them and transfer to a different boat in a couple years.
Edited by lambeau 1/23/2011 11:51 AM
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Posts: 8772
| Buy the boat. If she doesn't leave you over it? Marry her. |
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Posts: 172
| Thanks guy for helps I appreciate it.
I think I will put the purchase on hold Til future. |
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Posts: 20212
Location: oswego, il | Definitely evaluate the situation. If you really want the boat, get it. If you can afford a house and a boat, then go for it. Maybe you can compromise some on the boat too. Does she like to fish? |
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Posts: 216
Location: Elk River, MN | Get the house and put it in your name if you're not married or are not getting married. House economy has been brutal - but its a great time to buy. I love fishing but you will be years ahead to get the house - IMO
Edited by dhacker 1/23/2011 2:34 PM
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Posts: 4080
Location: Elko - Lake Vermilion | ? d.p.
Edited by Top H2O 1/23/2011 3:18 PM
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Posts: 4080
Location: Elko - Lake Vermilion | Here's what you need, if your single.
Attachments
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 PC240162 (Copy).JPG (65KB - 156 downloads)
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Posts: 172
| Haha love the picture.
We had agree to hold on buying the boat and give my white wussy boat one more year.
Thanks Again everyone. |
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| Have your girlfriend buy the house and you buy the boat. Why a Tuffy? |
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