Just stopped at LBS for new front v-brakes for $165 Target bought Schwinn. The spring adjustment part had a pin break the plastic case and the brakes are now useless. The good news is that the new all metal parts v-brakes was only $32. I will replace the back brake next month. The rims are really starting to come out of round also, that will be another $50. And earlier this week the tube in the front just split about 6-inches long. New kenda tubes on sale at REI for 4.50. And I really need to replace the schwinn tire up front with a new bontrager H2 hardcase, the back is already done.

My observations so far, you can pay now or you can pay later. So far every time I've had to pay later has meant missing a good day to ride.