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  1. #1
    El Gorrrriiii
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    How did you buy your bike ???

    For the most this is not a cheap hobby. A typical bike is about $400-$500 which can be just about a typical American's weekly salary for an entry bike, If you upgrade to 29er's, carbon or FS bikes they can be as expensive as 4-5k for a bike. People don't make that in a month. So with the cost of living going through the roof and our bills getting higher and higher. What type of funds did you use to buy your bike.


    I charged mine to the "game" ... Visa game that is for my Giant 29er.

  2. #2
    Quiet Professional
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    Saved and purchased a new old stock in box 2011 giant reign for 1500. Now if I can just find a bike for my wife like a 2011 cypher 2.

  3. #3
    El Gorrrriiii
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    That was a great deal. Currently looking for a Anthem 29 or a Trance 29er.

  4. #4
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    I bought the ancestor of mine on a 'pro deal' through the shop I worked at about 14 years ago. It was about half a month's salary at the time. I had taken a line of credit to buy a computer and spent half on the computer, half on the bike. I paid off the line of credit with student loans when I started college. I still pay on my student loans. I've since swapped out items piece by piece using my monthly income, including the frame and all that remains of the original bike is the right shifter and the rear derailler.

  5. #5
    I like turtles
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    Bought my Stumpy by charging it (as I do for most big purchases) and then subsequently paying it off the next month. You are assuming a lot of people don't make $4-5K/month, but plenty of folks do...or more! The weekly salary you figure is ~$26K a year...that is fairly low for a "typical" salary. Average annual income in the U.S. is somewhere around $45K last I saw. I should also that I have always helped my gear addiction by selling my old stuff to help buy new stuff. I have also bought used to save money and bought a lot of things when I worked at a shop in college and got a discount; I still have quite a bit of it!
    Last edited by TiGeo; 01-21-2013 at 04:28 PM.
    Geologist by trade...bicycle mechanic (former) by the grace of God!

    2012 Specialized Stumpy EVO 29 HT

  6. #6
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    When I left my previous job, They'd gave me €1500,- extra money on reservations. I've sold my Haibike Edition RX hardtail for like €500,-, then I'd had enough cash to buy my dreambike, a Cube Stereo. But now, after 3 months, I discovered the big world of upgrading. Beautiful parts, but small wallet.

  7. #7
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    I saved my extra cash while waiting for the frame to arrive and bought it when I had the dough. Then repeated 4 times for my other bikes...

  8. #8
    Andrew
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    Sold off my previous bike which covered ~35% of the new bike, then used my company end of year bonus to pay for the rest.
    Andrew || 2017 Nukeproof Scout 275 || 2012 Trek Superfly 100 Carbon

  9. #9
    govt kontrakt projkt mgr
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    cash

  10. #10
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    I'd been paying-off a 2010 Anthem X3 on a lay-by plan at a LBS. The agreement was to pay for the bike within 12 weeks. I had a lot still to pay and I had a good win on the pockies and put the entire winnings on the bike.

    Warren.

  11. #11
    3/4ton Hotrod
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    Got paid, went to bank, got cash, purchased bike lol

  12. #12
    nOOb
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    Credit card for my most expensive bike, probably paid about $100 in interest on the $3,500 it cost as it took a few months. I didn't have the money at that moment, but I couldn't pass up the deal and I needed the bike.
    All my other bikes ($3,300, $550, $750, $1,650) I paid with credit card for the protection and paid them off immediately after.

  13. #13
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    Uncle Sam's tax giveback.

  14. #14
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    did months of research, then got a timely bonus... it was either a bike or a trip to cuba with the better half... but to make it up to her i bought her a santa cruz juliana from a friend....
    Team Van Go
    Santa Cruz Heckler
    Rocky Mountain Element 70
    Salsa Mukluk - Fat Bike!
    http://www.teamvango.ca

  15. #15
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    Saved and bought it. We ONLY buy things we have the money to buy. Cash only household. If we put it on a card it gets paid off at the end of the month. Debt free is the only way to live... well, minus a mortgage.
    Small ring in front makes it easier. Small ring in back makes it harder. That blows my mind.

  16. #16
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    Traded an old high-end road bike for it ... Straight up !!

  17. #17
    El Gorrrriiii
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    Quote Originally Posted by TiGeo View Post
    Bought my Stumpy by charging it (as I do for most big purchases) and then subsequently paying it off the next month. You are assuming a lot of people don't make $4-5K/month, but plenty of folks do...or more! The weekly salary you figure is ~$26K a year...that is fairly low for a "typical" salary. Average annual income in the U.S. is somewhere around $45K last I saw. I should also that I have always helped my gear addiction by selling my old stuff to help buy new stuff. I have also bought used to save money and bought a lot of things when I worked at a shop in college and got a discount; I still have quite a bit of it!
    Well I figure there are several people with low income jobs compared to more fortunate people with middle america income. Either way a Bike is still a big investment. Several people can make that before taxes but once uncle sam takes his cut your left with more pennies than nickels. Either way I am looking into getting a Trance X and the chunk its worth is a prettyyyy penny.

  18. #18
    El Gorrrriiii
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    Quote Originally Posted by ArmySlowRdr View Post
    cash
    Classic !

  19. #19
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    There aren't many things better when you are my age than they were 30 years ago, but one of them that is, for me at least, is when I decided I needed a new bike during 2012, money was not part of the decision criteria. I could get whatever I wanted for cash and not think twice about it. And that's what I did.

  20. #20
    El Gorrrriiii
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    Quote Originally Posted by freakybro View Post
    Money was not part of the decision criteria.
    Must be nice...
    Giant Talon ... with a few upgrades

  21. #21
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    Figure out what I wanted, save up the cash, then comb Craigslist and other sources for the right one. Bought my family's last 4 bikes this way and saved a ton compared to buying new. Now, does anybody want to buy a sweet classic Merlin?

  22. #22
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    During the fall and winter months to spring I pay for the bike and it takes about six month to pay for it (layaway) , but I wont be doing that much longer, for the past three years I bought a new bike every season going to ride my new bike for at least two years. Its taken me three years to figure out what I value most in a bike. Also some winters out here last 5 months so lots of time to save. Newest Bike I,m saving for is the Norco Sight 650b 2.

  23. #23
    Rogue Exterminator
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    For years I have followed a couple rules to buying.

    1) If it is a toy, you pay cash.
    I have paid cash for every motor bike and bicycle I have ever owned.
    Sure, the bike is an investment in your health, but a high dollar one is not a necessity.
    So, if you can't afford a $3k bike with cash, then get a cheaper bike.
    Plenty of good choices for $500 or less and if you can't save $500 then you shouldn't have a credit card.

    2) Try and pay cash for anything that depreciates in value.
    i.e. I pay cash for cars. I have done so for about 6 years.
    I used to finance and just got to the point where I realized that is stupid.
    Of course, I settle for what I need and not what I want when it comes to a car but I certainly like not having a car payment over my head and the freedom not owing on a car provides me.
    However, if your wants take over, at minimum you never finance the taxes and dealer fees, and you should even pay down the depreciated value of the vehicle before signing on the loan.


    Financing a bicycle is just foolish IMO.

    BTW, I do not make a lot of money, I just budget myself.

  24. #24
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    Cash

  25. #25
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    Cash, the same way I buy everything except my house.

  26. #26
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    Lbs!

  27. #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.

    <p align="center"><img border="4" src="http://stevenjwolf.com/mtbike/images/Big-Bike.jpg"><br>
    Last edited by Wherewolf; 01-21-2013 at 07:31 PM.

  28. #28
    9 lives
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    Sold old bike put that money toward new bike and paid cash
    F*ck Cancer

    Eat your veggies

  29. #29
    Never Forget 9-11
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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.

  30. #30
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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.

  31. #31
    Rogue Exterminator
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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)

  32. #32
    govt kontrakt projkt mgr
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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)

  33. #33
    Rogue Exterminator
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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.

  34. #34
    mtbr member
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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!

  35. #35
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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.

  36. #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

  37. #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

  38. #38
    On wuss patrol
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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.
    Sometimes, you need to go fast enough that the trail is a blur to find clarity. -- Wild Bill

  39. #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.

  40. #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

  41. #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.

  42. #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.

  43. #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!

  44. #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  


  45. #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

  46. #46
    dirtbag
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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

  47. #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

  48. #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.

  49. #49
    jrm
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    Sold a lot of stuff

    i had accumulated over the years combined with my tax return.

  50. #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.

  51. #51
    ~*~*~*~*~
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    Saved all the money I made selling my jewelry and handed the owner of lbs where I work a fist full of hundreds.





    .

  52. #52
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    I paid for mine with U.S. dollar bills.

  53. #53
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    1. Sold some items that were not being used.
    2. Put the money in a demand note account.
    3. Applied for a Trek CC with no interest for 12 months. -- Took bike home.
    4. After 12 months pulled the money out and paid off CC with no interest.
    5. Kept the interest I earned in the bank.

  54. #54
    Mr. Chaos Theory
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    Good job!

    Turned my beefy unanticipated Tax Return into a loved and maintained used Pivot Mach 5.
    WeLcOmE tO tHe CoLlEcTiVe.

    2016 Spec. Fat Boy Trail
    2009 Pivot Mach 5
    Base of Operations NH USA

  55. #55
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    I saved up for months!

    Riding (a mountain bike) for me is both a recreational outdoors activity and a fitness routine — one that I used to do on a regular basis. So I really wanted to get back in shape. I made a new year's resolution from last summer. It's for my health. Nice equipment only helps.

    That's what we have to consider — the ultimate purpose of the bike.

    And having owned cheapees from the time I was a kid, and moving up in quality every decade or so, my previous bike had horrible rim brakes even though it was a $580 Rockhopper (in 1997).

    Now that I've sold the Rockhopper, I'm strategically saved up with enough cash to get a new one ('13 Trek Mamba). The determining factor for me now is HYDRAULIC DISC brakes.

  56. #56
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    bought my first 2 (old Specialized Rockhopper HT and 2002 Santa Cruz Superlight) with cash when I was single and had a good job.

    Moved, quit my job, went to grad school, got married, finmished grad school, got a new job. I negotiated a signing bonus with the new job and my wife said I could use it to buy a new bike. Bought a very lightly used, tricked out Santa Cruz BlurLTc. Now every time I go riding with someone new, my wife asks me 'do they have a nicer bike than you?" and most of the time, I get to smile and say 'nope'

  57. #57
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    I pay cash for everything but my house. The way I
    feel, if you don't have the money to buy it, than you
    don't need it.

  58. #58
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    I take that back, I paid for mine with a credit card but paid it off before the interest had kicked in.

  59. #59
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    The latest bike, a Tallboy LTc, I sold off a bunch of MX stuff and sports memorabilia to pay for the bike. My last bike, I paid for with a "0% for a year" credit card and paid it off before the year was up. That is my standard routine and how I buy most expensive stuff, even though I have the cash to buy them outright.

  60. #60
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    Cash. I had special ordered my '12 Jamis Dragon from the LBS after months of research, paid half down on ordering, and the other half two weeks later when it came in.

  61. #61
    Over the Hill
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    I put all my purchases on my Citi Bank cash dividend card or Discovery cash back card and pay it off end of every month. After about 3-4 years I will have 2k to 3k in those cash back accounts and buy a new frame. I have some really nice parts that can be handed down. I have bought my last two frames this way.

    Dean

  62. #62
    Flow like water
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    My first bike was a Falcon Black Diamond. I met a couple of guys who were starting a bike shop near my apartment. I talked my way into a part time job as a mechanic. They offered me one of the new bikes at a steep discount and let me pay for it in hours wrenching. That was good for me because I had absolutely no money for a bike.

    I don't remember the year exactly. It was in the 1970's. No one remembers those years very well.
    "Head injuries are pretty high-consequence" - AndrwSwitch

  63. #63
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    All my bikes were purchased piece by piece and assembled / build by me so I never really feel the financial impact. Also, I already have a bunch of parts laying around from previous bikes and builds so when I start a new project, I use the existing parts to start the build. Then as I buy the parts I want (as opposed to the parts I have), I put them on. The parts I remove either to go upgrade an already existing bike I have or they're sold off to fund the next thing.

    Case in point, the bike I just built -


    This bike start out it's life in my household as a fully rigid singlespeed until I had all the parts I wanted for it (which is now how you see it). The parts I took off of it are going on my next build when it arrives (come on On One, HURRY UP!).

  64. #64
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    By trading it for cash.

  65. #65
    El Gorrrriiii
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    Quote Originally Posted by kjlued View Post
    For years I have followed a couple rules to buying.

    1) If it is a toy, you pay cash.
    I have paid cash for every motor bike and bicycle I have ever owned.
    Sure, the bike is an investment in your health, but a high dollar one is not a necessity.
    So, if you can't afford a $3k bike with cash, then get a cheaper bike.
    Plenty of good choices for $500 or less and if you can't save $500 then you shouldn't have a credit card.

    2) Try and pay cash for anything that depreciates in value.
    i.e. I pay cash for cars. I have done so for about 6 years.
    I used to finance and just got to the point where I realized that is stupid.
    Of course, I settle for what I need and not what I want when it comes to a car but I certainly like not having a car payment over my head and the freedom not owing on a car provides me.
    However, if your wants take over, at minimum you never finance the taxes and dealer fees, and you should even pay down the depreciated value of the vehicle before signing on the loan.


    Financing a bicycle is just foolish IMO.

    BTW, I do not make a lot of money, I just budget myself.

    Very good philosophy. I don't like to buy with credit unless I have to or I get a balance transfer or card with 0% interest.
    Giant Talon ... with a few upgrades

  66. #66
    Digital Toast
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    When my grandmother passed she left all her grandchildren a little money. I used it to buy my Turner 5spot. I think of her every time I ride it. I'm pretty sure she would have strongly disagreed with me buying a bike that cost that much. Oh well.

  67. #67
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    Quote Originally Posted by Zeroack View Post
    When my grandmother passed she left all her grandchildren a little money. I used it to buy my Turner 5spot. I think of her every time I ride it. I'm pretty sure she would have strongly disagreed with me buying a bike that cost that much. Oh well.
    I'm much luckier but in a reverse situation. I love my grandmother, too. She's still with us at age 97. Lucky me. Lucky all of us grandchildren.

    But her limited social security and Medicaid doesn't pay for vitamins, supplements and healthier foods. So I give her a good chunk of money every month. Needless to say, her legacy is not about money because she doesn't have any. I hope to support her for many more years to come. Please don't leave us yet, grandma!

    Now, when my new bike arrives (ordered last week), I'm pretty sure she would be happy to see that I have enough to treat myself.

    It helps me to ride harder and faster.
    Last edited by solidass; 01-23-2013 at 09:30 AM.

  68. #68
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    I bought all of my 3 bicycles in parts and assembled them by myself. For the payment, I save 10% of my monthly wage to this activity. And at the end of the year I am able to buy a complete bike with only top level parts.

    I started to do this 4 years ago, and in 2 or 3 months I will be able to buy my forth bicycle (third titanium !)

    If I don't have the cash, I save money until I get the needed amount. That always surprise and impress my wife, and with that saving I am still able to save money for buying a future house and invite my fiancee to the restaurant.

    And for me I prefer buying a bicycle in parts rather than buying a complete bike that you will have to change the wheels, stem and handlebars. It finally does not cost more.
    Chistole Audax Club - "Unity, Pride and Charcuterie"

  69. #69
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    I charged mine then paid it off in a month. I do not ever charge what I cannot pay off in a month.

  70. #70
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    I built mine from parts, but paid cash for all of those.

  71. #71
    EMBA Member
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    "If I don't have the cash, I save money until I get the needed amount. That always surprise and impress my wife, and with that saving I am still able to save money for buying a future house and invite my fiancee to the restaurant"

    Something is wrong with this sentence but I'm having trouble figuring it out?

  72. #72
    DFL>DNF>DNS
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    I had my co-worker buy it for me!! I wasn't in the market, well I knew the time was coming. I wanted to upgrade to a 29er and a facebook friend posted up a Voodoo Dambala for $700. Didn't have the cash at the time, so my co-worker gave me a 0% loan. What a guy!!
    I ride the crappy trails so you don't have to
    My Two Schillingsworth

  73. #73
    RideDirt
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    Cash .. I think thats usually how it works.

  74. #74
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    Quote Originally Posted by aedubber View Post
    Cash .. I think thats usually how it works.
    Well, maybe in your country.

  75. #75
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    Quote Originally Posted by brigadier View Post
    That always surprise and impress my wife, and with that saving I am still able to save money for buying a future house and invite my fiancee to the restaurant.
    Woah! A wife and a fiancee? I wanna start a new thread and title it "How did you get a wife and a fiancee?"
    The secret to mountain biking is pretty simple. The slower you go the more likely it is you’ll crash.
    - Julie Furtado

  76. #76
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    I basically buy some sort of bike part every month and have an inventory of goodies to apply to building up new frames as I need/want them. That wayI get the bikes I want with the parts I want and it's a fun hobby shopping for the stuff and figuring it all out. I've built my last 3 bikes this way and am in the process of building up a new one. I usually sell off the old frames or give them to friends/family.

  77. #77
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    I am lucky enough to have a job that gives bonus twice a year. I got my bike after one of the bonus periods. Paid cash.

    Mark
    2012 XXL Carve Expert

  78. #78
    May The Force Be With You
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    How did you buy your bike ???
    I wanted it so there for I worked hard to earn it
    '11 Jedi
    '01 Rocket 88 Stage3
    2008 Toyota FJ Cruiser

  79. #79
    the half breed devil
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    i used $1600 of a $5000 severance package from my former employer.

  80. #80
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    Quote Originally Posted by woahey View Post
    Woah! A wife and a fiancee? I wanna start a new thread and title it "How did you get a wife and a fiancee?"
    That's two balls and a chain. It would be better to just have two GFs.

  81. #81
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    cash for the first one....cash and IRS return for the second one
    '12 Trek Marlin Signature Green
    '13 Santa Cruz Tallboy LT Gulf Blue/Orange

  82. #82
    the half breed devil
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    oh...and my 'cross is a warranty replacement for a bike i purchased on credit...

    and my SS was given to me by my neighbor across the street when he took delivery of his new lynskey...

    and my ibis was a repaired frame paid for in cash at the the old ibis "garage sales" near petaluma in late 1997...

  83. #83
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    Well I was walking by this brew pub in Bend and there were two really nice bikes sitting unlocked and I........
    Did I say that out loud. Never mind.
    Happy Trails
    Jolly

  84. #84
    2006 Yeti AS-X
    Reputation: Lawson Raider's Avatar
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    Best way to score a really nice bike:

    1) Do you really need the newest model? The newest model costs more obviously so you can save some $$ by buing a few model years back and still have a decent bike.

    2) Can't afford the whole bike? Buy it one part at a time. Takes longer but in the end, you get the bike you want with the parts you want.

    3) Look for deals on classifieds and the internet. I got a $800 Marz. 66 RC2 fork brand new for $399 on sale back in 2008. Brand new Avid Juicy 3 hydros for $60 on a local classified.

    In the end, I built up a nice 2006 Yeti AS-X (back in 2008) for about $2,100 where a brand new one at the time was around $4,000 or so.
    I don't use Strava. Don't need an application to tell me I am slow because I already know.

  85. #85
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    road bikes i always bought new from saving money from jobs. since just got into mtb, decided i would go used and see what was out there. paid cash. now the fun begins.....riding!!!

  86. #86
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    Type of funds -- charged it on my Mastercard, but then paid it off. Because it was a bigger purchase, about 3k with the bells and whistles and sales tax of roughly $200, I had to transfer from savings to checking for about half of it.

    My LBS offers a credit program on their expensive bikes through GE Capital. I imagine it's not cheap, don't know what kind of rates they would offer.
    Last edited by MotownDanny; 01-24-2013 at 12:17 PM. Reason: Adding a comment.

  87. #87
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    oh come on gentlemen, we are not married but she has the ring on the finger......My english is not as good as my cycling skills
    Chistole Audax Club - "Unity, Pride and Charcuterie"

  88. #88
    Merendon Junkie
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    Quote Originally Posted by brigadier View Post
    oh come on gentlemen, we are not married but she has the ring on the finger......My english is not as good as my cycling skills
    I just thought you were some sort of polygamist.... No biggie!

  89. #89
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    Saved money. Married a smart software engineer. Bring my lunch to work most days. Be happy driving a 99 toyota carolla.( depreciating asset). Ride my crosscheck to work, saving gas. Be happier riding one of my 3 mt bikes. Befriend a bike mechanic who loves ipa's and homemade bacon. ( will trade used/ takeoff parts for said items)

  90. #90
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    Cash....well...a check....but same thing. Not too keen to finance a toy. I have a lot of bikes but I live a very Spartan life otherwise.

  91. #91
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    I saved my money and paid cash, actually debit card but you get the picture. I didn't want to blow a ton of money since I'd been a away from riding for a while so I purchased an "unbranded" bike online. Aside from wishing I'd gotten the next size smaller the bike has been great. Reba, X9 and Elixir 5's for around a grand shipped to my door I can't complain. Next bike will be done the same way.

  92. #92
    no trees are safe
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    Went to an LBS. Checked out some magazines. Picked up a bike I liked. And in 2 weeks returned for the bike.

  93. #93
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    Quote Originally Posted by brigadier View Post
    oh come on gentlemen, we are not married but she has the ring on the finger......My english is not as good as my cycling skills
    Glad to hear you are not married to two women. One is bad enough. Is the wife ok with you having a fiancee? And, how does the fiancee feel about you being married?

  94. #94
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    I stopped in at the LBS tonight -- the owner had a good line -- What is the "right" number of bikes to have in the garage? One less than will get you hauled into divorce court.

  95. #95
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    Usually just sell a bunch of splifs to the kids.

  96. #96
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    Quote Originally Posted by Mountain Cycle Shawn View Post
    Glad to hear you are not married to two women. One is bad enough. Is the wife ok with you having a fiancee? And, how does the fiancee feel about you being married?
    The Big Lebowski - Nobody ****s with the Jesus. - YouTube
    Last edited by brigadier; 01-25-2013 at 03:05 AM.
    Chistole Audax Club - "Unity, Pride and Charcuterie"

  97. #97
    I like pie.
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    Quote Originally Posted by Nail Every Trail View Post
    I basically buy some sort of bike part every month and have an inventory of goodies to apply to building up new frames as I need/want them. That wayI get the bikes I want with the parts I want and it's a fun hobby shopping for the stuff and figuring it all out. I've built my last 3 bikes this way and am in the process of building up a new one. I usually sell off the old frames or give them to friends/family.
    This is what I did. Over the years I picked up "last year's stuff" for cheap. Have quite the stash (actually no need to buy more parts for a while). When I built up my Superlight a few years back, I gave my #2 HT to my dtr in law.

    Bought the SL frame, fork, wheels and HS from my LBS for cash. The rest from my stash.

  98. #98
    El Gorrrriiii
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    My little thread has come a long way... Best line thus far is "cash"
    Giant Talon ... with a few upgrades

  99. #99
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    Paid cash for all of my bikes except for my very first bike, 1989 (or 1990) Specialized Hardrock. I financed the $300 or $400 bike when I was a starving college student.

    I plan on paying cash for a new (or new-to-me) bike, but I'm going to sell a bunch of things that I'm not using such as two sets of track wheels, rain tires, dry tires, race wheel uprights/hubs, car body parts, a pro photo strobe system and a few other things. I should have enough for an even better bike than what I have now.
    '12 S-Works Stumpjumper carbon HT
    '13 Specialized Carve Comp
    '94 S-Works M2

  100. #100
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    I Ebayed the majority of my bike in pieces. Ended up spending well over $1000.00 which is probably what I would of spent if I bought the bike as a whole, but this way, I get to put the parts I want on them as well as putting the bike together myself which the best part for me. Plus, I love bidding on stuff. I picked up a great 2010 Giant XTC1, brand new, for $200.00.

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