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Old 08-16-13, 06:27 AM   #1
FoxMulder
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Priorities: "How do you afford it???"

So a friend of mine asked yesterday how I can possibly afford all my expensive cycling equipment. We had just finished eating and we were standing outside next to his almost new $25,000 Honda. I said it's all about priorities. Then I walked over to my 20 year old Honda Civic, which I picked up 6 years ago for $2000 cash. I've had to do a few minor repairs in that time, and I do them myself when I can, with parts from the local salvage yard if they're significantly cheaper than new parts.

If I were to add up the cost of all my cycling equipment, I doubt it would exceed $6000. So car plus cycling gear -> $2000 + $6000 = $8000. That's less than a third of the price of that $25,000 new car.

I tell them it's all about "priorities". I don't think they get it, though.
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Old 08-16-13, 06:33 AM   #2
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You are absolutely right, Some feel rich with a $500 bike some a $10000.. same as cars , Motorcycle, housing, clothing Electronics....I have way too much crap and it's boggong me down at times... I have 12 payments left on my Harley but a new car only 2 years old ...???? My family lives in Canada so i need something dependable to travel... not to say my 05 Taurus with 85000 miles is a POS but i like to have something fairly new because my company gives me a car allowance so no excuse there......I have to look at my Priorities...Somebody i know is on the Dave Ramsey plan for the last year and it's amazing what you can accomplish with a plan... you just have to DO IT...
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Old 08-16-13, 07:32 AM   #3
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Hmmm, let's see... I graduated high school, worked my way through college and graduate school, got a job, worked my way up, saved money, etc... That's how I do it.
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Old 08-16-13, 08:07 AM   #4
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Ask them how they afford their "toys".

A co-worker asked me that question once, and I knew he had one motorboat and was in the process of buying another. So I answered his question with a question .... "How do you afford those motorboats?" He got it.

I was in the grocery store at lunch today, and the woman in front of me bought cigarettes. $18/pack. I had to scrape my jaw off the floor. I had another co-worker ask me that question, and I knew she was about a 3-4 pack a week smoker then. So I answered her question with a question ... "How do you afford to smoke as much as you do?" She got it ... and cut back to about a pack a month ... and started travelling and doing the things she dreamed of doing.
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Old 08-16-13, 08:22 AM   #5
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Old 08-16-13, 08:55 AM   #6
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A former co-worker once asked me. My answer was, "I don't buy 2 packs of cigarettes a day." But yeah, those who ask usually have some other hobby that is more expensive than bikes -- boats and motorcycles are common.
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Old 08-16-13, 09:58 AM   #7
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Similar to the above answers, question the questioners...

Priorities change with life, kids, hobbies, careers, seasons, etc.

My next door neighbor couldn't fathom why I spend $1100 on my Surly that I hand selected each part for. He questioned what made my bike so great and stated how his $400 (unused) MTB was just as adequate.

This was all while he sat on a custom painted Harley Davidson with a ported and polished motor and more chrome than a '57 Chevy.

It's all about your own personal interest. Remember...you're unique just like everyone else.
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Old 08-16-13, 10:45 AM   #8
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I paid for my Fargo with 10 months' gas savings by commuting on an old Rocky Mountain bike a guy gave me. One nice thing about an insanely stupid long commute: once you stop there's lots of extra money.
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Old 08-16-13, 11:00 AM   #9
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Quote:
Originally Posted by FoxMulder View Post
So a friend of mine asked yesterday how I can possibly afford all my expensive cycling equipment. We had just finished eating and we were standing outside next to his almost new $25,000 Honda. I said it's all about priorities. Then I walked over to my 20 year old Honda Civic, which I picked up 6 years ago for $2000 cash. I've had to do a few minor repairs in that time, and I do them myself when I can, with parts from the local salvage yard if they're significantly cheaper than new parts.

If I were to add up the cost of all my cycling equipment, I doubt it would exceed $6000. So car plus cycling gear -> $2000 + $6000 = $8000. That's less than a third of the price of that $25,000 new car.

I tell them it's all about "priorities". I don't think they get it, though.
Why do you even fuss over trying to justify yourself? It's a waste of time because they don't get it.

Whenever one of my co-workers ask how much my cycling stuff costs I say "Double whatever number you're thinking and you MIGHT come close." "You do whatever you think is right for you, I'll do what I think is best for me."
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Old 08-16-13, 11:31 AM   #10
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I love my Harley and i waited long to get one... once it's paid for next year it will stay around for a long time....It has 79000 miles on it and is my baby...I am sure next year i will upgrade my bike components...I am getting a used Trek this afternoon...it will be free...I traded it up...I am actually tired of the expensive toys... It is time to pay some of that crap off and buy used...
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Old 08-16-13, 11:41 AM   #11
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Some people spend on vacations every year and even short trips throughout the year. I would imagine most would put it right up there as a kind of human right.
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Old 08-16-13, 12:20 PM   #12
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yep, it's all about priorities and their priorities are different thats all. I have a friend who works in the cities code enforcement offer, he's had to stop by many a house and warn the residents about excessively long grass, it real chaps his behind when they claim they can't afford to cut it. He looks around and finds new cars, motorcycles, beer and wine cartons in the trash, all kinds of toys, satellite dishes and some even check their smart phones while they are talking to him. While their priorities are different and some say screwed up, it's their choice, AND their consequences are theirs too should they choose to make the wrong ones, or even the ones that are not the best. Same thing with biking, working out, or any exercise, ignore your health and usually you are bound to pay for it.

I just shrug and let it be. It's their choice and I've made mine.
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Old 08-16-13, 12:49 PM   #13
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Hmmm, let's see... I graduated high school, worked my way through college and graduate school, got a job, worked my way up, saved money, etc... That's how I do it.
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Old 08-16-13, 01:09 PM   #14
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Can't afford to cut grass?
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Old 08-16-13, 01:51 PM   #15
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Can't afford to cut grass?
Yes, that was my friends biggest gripes, pulling up to $250,000+ homes warning the occupant that their grass was too high and against city ordinances. He said the people with the most toys were sometimes the worst offenders. Gas is about $4.00 gallon and they just couldn't afford it to cut their grass, they can boat, buy beer wine and liquor in abundance, pay for smart phones etc. but NOT cut their grass. The situation just came to mind when thinking about priorities.
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Old 08-16-13, 01:51 PM   #16
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Can't afford to cut grass?
lol... I think that's only a small step above being so poor that they can't pay attention.
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Old 08-16-13, 02:11 PM   #17
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I just cancelled my 2 Android smartphones with Verizon and went back to flip phones about 3 weeks ago and you know what, I really don't miss it that bad and that darn flip phone stays charged for about 3 days...I am about to sell my Wife's harley... bought it a year ago and she has rode it 3 times......Insurance, tags, tax... depreciation... Space in the garage that my bike could be in...
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Old 08-16-13, 02:23 PM   #18
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Yes, that was my friends biggest gripes, pulling up to $250,000+ homes warning the occupant that their grass was too high and against city ordinances. He said the people with the most toys were sometimes the worst offenders. Gas is about $4.00 gallon and they just couldn't afford it to cut their grass, they can boat, buy beer wine and liquor in abundance, pay for smart phones etc. but NOT cut their grass. The situation just came to mind when thinking about priorities.
In my area, offenders get a note in the mail that if the lawn isn't mowed by a certain date, the city will do it and then bill the homeowner. Do you guys? If I were one of those homeowners, but the code enforcer didn't have any threats to make, I'd probably tell him to pound sand too.
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Old 08-16-13, 02:44 PM   #19
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In my area, offenders get a note in the mail that if the lawn isn't mowed by a certain date, the city will do it and then bill the homeowner. Do you guys? If I were one of those homeowners, but the code enforcer didn't have any threats to make, I'd probably tell him to pound sand too.
Same here, only HE was the guy that ended up cutting it too, with a push mower, sometimes in 100 degree heat. He would cite them, come back and cut the grass, then they would have to pay the fine AND the mowing fee to the city. Multiple citations could be brought to the cities attorney and suit filed but they seldom went that far, just not worth the cost unless someone of "note" complained, then they were all too happy to "take care of it". Again, even the cities priorities can get screwed up.
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Old 08-16-13, 03:00 PM   #20
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It's funny. I'm one of the few guys on my block who cuts his own lawn. Not hiring a lawn service is one of the ways I save enough to buy more bike stuff. Hell, I should just stop cutting it altogether and save even more.
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Old 08-16-13, 03:07 PM   #21
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About 8 years ago, i wanted a new Cub cadet mower, i sold 2 dog houses, a router, a skil saw, a push mower, a repaired riding mower, a bug zapper and i think some other stuff and had $1200 to put down on my Cub cadet... had to pay an extra $400 and Voila...I still have it and it runs like a charm...
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Old 08-16-13, 05:46 PM   #22
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Do what we do in AZ, fill the "yard" with rocks and skip the lawn altogether.
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Old 08-16-13, 06:25 PM   #23
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It is a matter of priorities. some don't eat out to afford college for their kids, I was a pack a day smoker so I quit that and I don't drink, don't gamble. My vice is cycling. I can afford my cycling toys, cars, cameras and to send my kid to college because I save the money that I used to spend on smokes, and drinks. I am eliminating my debt by outright buying everything like my car and other items instead of paying interest.
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Old 08-17-13, 12:30 AM   #24
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Do what we do in AZ, fill the "yard" with rocks and skip the lawn altogether.
If you try that in a place that isn't naturally a desert, after a year, you end up with a lawn that's half weeds and half rocks.
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Old 08-17-13, 05:45 AM   #25
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Priorities and budgeting.

Many moons ago I was working on a large out of town construction crew. There was a really nice backpacking store in town that was going out of business and marking things down. Every pay day I would go an buy something that had been marked down. The other guys on the crew thought I was nuts for paying $50 for a back packing stove or other gadget. They would routinely go to the topless bars and blow a $100 a week. I still have most of my backpacking stuff... what do they have to show for the money they spent?

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