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Got all the way into the finance office today on a '11 Street Glide spec'd exactly like I wanted, at the price I wanted, and the monthly payment that I wanted with the interest rate that I wanted, and I still couldn't force myself to sign the papers. They were even giving me all but $100 back on the Sporty that I bought two months ago! Why am I so damn cheap?!
I feel your pain, making payments sucks even if it is within range. I hate making payments but I wanted the bike that bad. You must have some strong feelings towards debt and payments to walk away at that point! Damn!
If you have doubts about it, there's probably a good reason for that. Maybe somewhere inside you know it's financially irresponsible. I've made a lot of irresponsible decisions in life, and I truly regret many of them. I have paid dearly for them.
You have a Sporty? Jeez, ride it. Forget about dreaming about "more". It's a sickness that will never stop. Set up a special bank account, not at your regular bank, and deposit a set amount in it each month. If you have to, you can use the money for bills. If you get to the point where you have enough and you haven't had to raid it, then buy a new bike.
Take it from an old man who wasted a lot of time and money doing stupid things...
Could it be because inside you knew they were front-loading the price of the new bike to offset the great deal on the practically new trade-in Sportster? Or that they were giving you a quiet interest screwing with the dealer financing. Keep the Sportster for awhile (or forever) and join a credit union for some decent financing, if you decide to borrow to buy another bike when you feel comfortable doing so. Harley Finance can't touch credit union rates.
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