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  1. #26
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    Lbs!

  2. #27
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    Education

    Take the time to get a good education, get a good job, and mange your money wisely. But it takes far more patience and sacrifice than most people are wiling to make. I always pay cash for my bikes.


    Last edited by Wherewolf; 01-21-2013 at 06:31 PM.

  3. #28
    pin it
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    Sold old bike put that money toward new bike and paid cash
    F*ck Cancer

    Eat your veggies

  4. #29
    Never Forget 9-11
    Reputation: FujNoob's Avatar
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    Ordered a new 29er frame, wheels, and fork from my LBS. Moved all parts that would work from a 26 that I was riding to complete the build and get it running. Over the next year or so I upgraded components on the 29er and rebuilt the 26 until I had 2 complete bikes.
    It's such a fine line between idiocy and genius.

  5. #30
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    Reputation: skiahh's Avatar
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    Cash (which includes credit cards that are paid in full each month).

    One caveat: if there's a 0% deal, then I'm a firm believer in using other people's money and making sure it's paid off on time.

    I also buy end of the year deals and/or sale bikes, typically.
    www.teamnavycycling.org
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  6. #31
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    Quote Originally Posted by skiahh View Post

    One caveat: if there's a 0% deal, then I'm a firm believer in using other people's money
    Absolutely, but I am guessing most people who are willing to finance a mountain bike either don't have the credit to get 0% or won't have it for long. lol

    (Using a credit card and paying it off at the end of the month is not financing, it is just getting your rewards points lol)

  7. #32
    govt kontrakt projkt mgr
    Reputation: ArmySlowRdr's Avatar
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    Using the credit card also protects from fraud, which debit cards are notorious for. I will write a check.... or use a credit card and immediately do an account to account transfer.


    Quote Originally Posted by kjlued View Post
    ........Using a credit card and paying it off at the end of the month is not financing, it is just getting your rewards points lol)

  8. #33
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    Quote Originally Posted by ArmySlowRdr View Post
    Using the credit card also protects from fraud, which debit cards are notorious for. I will write a check.... or use a credit card and immediately do an account to account transfer.
    I will agree.

    I use my credit card for online purchases and also when traveling.
    But I pay it off before the end of the month so that is not financing.

  9. #34
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    Credit card. Then I transfer the balance to a zero interest credit card and pay it off in a year. I like to borrow money for free!
    '96 San Andreas
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    '71 Dino 246 GT

  10. #35
    official eMpTyBRain
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    Bought my first bike (26er HT) with cash and sold it less than a year later to upgrade. Upgraded that bike with a better fork and then sold it 2 years later to move from HT to FS. Fully upgraded this bike and kept it for 5 years. Parted it out and bought a new FS which I again fully high end upgraded. I killed that bike in a really bad accident but I salvaged what I could and built up my first 29er (an HT). Once I was ready to switch back to a FS, I parted the 29er HT out and bought a 29er FS frame which I once again fully tricked out.

    All the while, I was selling parts to help pay for new parts AND slowly building up a surplus of used parts.

    This hobby is not cheap but it's a heck of a lot cheaper than many other hobbies out there.
    ...and proud member of the anti-sock puppet desolation

  11. #36
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    My old trek that I found on craigslist was finally worn out. It was covered with stickers and had been
    nicknamed the "old jalopy". I needed a new bike but didnt want to pay new bike prices so I started looking at my LBS demo fleet. I didnt realize that even demo bikes are still expensive.

    Finally my dads estate was closed out and I inherited a little money so I used part of it to buy a 2010 Turner 5 spot demo and I have been happy since.
    Keep The Rubber Side Down

  12. #37
    Gears... I hate gears
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    Cash. When I whipped out my wad of Lincolns and Washingtons the LBS owner asked if I was a stripper. It was truly a lot of 1s. LOL

  13. #38
    FKA Malibu412
    Reputation: Glide the Clyde's Avatar
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    Quote Originally Posted by freakybro View Post
    money was not part of the decision criteria.
    Mine neither. I traded a cow and a handful of chickens.
    "I love the bike. It's my meditation. I think I'm bike-sexual." -Robin Williams

  14. #39
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    Dual enrolled my senior year of high school and took online courses so I could work while still taking classes. Saved up a lot of money between work and a few other hobbies and was able to buy a brand new Slayer 70 for $3400 off jenson last year when I was still 18.

  15. #40
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    This is an interesting thread. Being as though I don't own a bike under $2K, and still have "entry level" bikes, I'd be really interested to seeing what you can get for $500 these days. My first bike, in '96 was a GT Outpost Trail that I bought for $550 and I added a suspension fork for $200.

    Having said all that BS, I've bought several bikes in my days most of which I saved up for, but for one I made payment arrangements with the LBS.
    The secret to mountain biking is pretty simple. The slower you go the more likely it is you’ll crash.
    - Julie Furtado

  16. #41
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    Quote Originally Posted by woahey View Post
    I'd be really interested to seeing what you can get for $500
    I have a Marin Bolinas Ridge 29er that was reg $699 and I got on sale at REI for $499.

    Not the best by far but it is a great bike and it takes me everywhere my friends go with their $3k+ bikes with just as big of a smile on my face at the end of the day.

    Also, for $500 you can get a little bit higher end bike if you shop used.

    Plenty of bikes out there for $500 or less that will reliably take you on any trail if you just shop around.

    BTW, I ride mostly Pisgah and DuPont so yes I am hitting difficult trails.

  17. #42
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    Got married, started graduate school (and counted it as moving for a job since we were getting paid) all in the same year. So the best tax return I've ever received got me a bike.

  18. #43
    Inspector Gadget
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    I've worked hard to be where I am in life today. I started a full time job the Monday after I graduated high school. While most of my friends fawked off all that summer and then left for college. Mommy and daddy didn't buy me a fancy car or pay for me to go to college. My adult life started Monday after high school and it was "sink or swim". Everything I have, I learned and I earned it the hard way.

    18 years later I still work in the same industry. Im not ashamed to buy expensive things I can afford. Don't let the envy bug eat you alive, worry about yourself and what you can do. Live within your means, set goals and strive to accomplish them
    I hope you have a big trunk... cause I'm gonna put my bike in it!

  19. #44
    Pirate!!!
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    I agree with abeacstead, I've been working my Arse off in the same field since I was 16, I make a good living and I'm glad I can pay for my addiction, well, almost.
    Last year I was really wanting to add more bikes to the stable, I had to decide where I was going to pull a substantial amount of money without going in debt. So I sold my truck.

    that was a tough decision to make! But it free'd up enough cash that I was able to buy an older truck, and really deck myself out with new bikes. Best decision I'd made in a long time! How did you buy your bike ???-imageuploadedbytapatalk1358837069.809906.jpg a year later I'm looking around trying to find what else I can sell to fund a new Fatbike.
    Attached Thumbnails Attached Thumbnails How did you buy your bike ???-imageuploadedbytapatalk1358836765.579566.jpg  


  20. #45
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    Quote Originally Posted by kjlued View Post
    Not the best by far but it is a great bike and it takes me everywhere my friends go with their $3k+ bikes with just as big of a smile on my face at the end of the day.

    Also, for $500 you can get a little bit higher end bike if you shop used.

    BTW, I ride mostly Pisgah and DuPont so yes I am hitting difficult trails.
    If you shop used, you can definitely get a higher end bike than that.

    If you look at the differences between your Marin and a Rocky Mt 930 it really boils down to components. I've ridden all sorts of bikes throughout my life and a bike with nicer components will feel better and last longer.

    Please don't take this personally, because if you ever do upgrade your components or buy a bike with higher end components you'll realize you're a better rider than you thought and will be leaving your buddies at Pisgah in the dust.
    The secret to mountain biking is pretty simple. The slower you go the more likely it is you’ll crash.
    - Julie Furtado

  21. #46
    dirtbag
    Reputation: ranier's Avatar
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    Bought my first mt bike a Giant Sedona ATX in 1990 with cash, actually put it on layaway. Took a couple weeks to spring it from the bike shop but I was happy when I did. Every bike since has been with cash. i learnt early on in college that credit sucks. they should really ban those credit card hawkers on campus and have a mandatory credit card course. I bought a Salsa Warbird Ti last week with cash now that I'm in a much better spot financially. I drive a 2000 Nissan pickup, don't wear fancy clothes or jewelry but I do splurge on stuff I like - bikes, beer, bacon and b1tches!
    Amolan

  22. #47
    Serenity now!
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    Quote Originally Posted by reedfe View Post
    Cash. When I whipped out my wad of Lincolns and Washingtons the LBS owner asked if I was a stripper. It was truly a lot of 1s. LOL
    Classic!

    I have a second job to pay (cash) for my toys, and I bought a gently used bike.
    Duchess of Dab

  23. #48
    Rogue Exterminator
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    Quote Originally Posted by woahey View Post

    Please don't take this personally, because if you ever do upgrade your components or buy a bike with higher end components you'll realize you're a better rider than you thought and will be leaving your buddies at Pisgah in the dust.
    No offense taken
    I mean I would be kidding myself if I thought my $500 nike (well $700 msrp) was every bit as good as my buddies $3k bike. I mean it would be awesome if I did trip over the golden goose of value but I am realistic.

    The choice was simple for me.
    New bike with a little lesser but new components and warranty.
    Used bike with better but used components and no warranty.

    I like warranties when spending larger chunks of money.

    I do also understand the difference good components make.
    I had a DB Overdrive prior to the Marin and it was horrible.
    Thank God for warranty because I was able to get my money back and get the Marin which I am very happy with.
    I will eventually upgrade but I am in no rush to. The components on my Marin are not that bad and for now they are getting me where I need to go. As far as leaving my friends in the dust, I already do that some and keep up decently with others but that is not my goal anyways.

    Either way, you can get a trail worthy rig new or used for $500 if you shop around.

  24. #49
    jrm
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    Sold a lot of stuff

    i had accumulated over the years combined with my tax return.
    Wreck the malls with cows on Harleys

  25. #50
    Professional Crastinator
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    Ahh, the world of creative financing.

    When I was in school, I borrowed money from 3 people to buy my first MTB, but anymore I do not buy unless I have the money saved. I don't live high off the hog so that's not a big deal, and I HATE spending money on vehicles, so I save a good bit there for other, more important things.
    I did buy a bike in anticipation of selling an old one, and then been stuck for awhile because the old one wasn't selling. It caused me to go without new, red ano. CK hubs.
    How did I ever survive such trying times?

    -F
    It's never easier - you just go faster.

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