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Nothing major but enough to clear the debt , Ive got a new and more secure job but earning slightly less till Im trained up. My question is the most boring on STW . I started biking properly after about a year and a half ago when I got a c2w Gt Aggressor which I recently swapped for a steel framed On One.
My choices are go for a Santa Cruz blur new and pay half deposit half credit or buy an older FS outirght and keep both bikes. I rode Coast kids 11 year old super V and was blown away the other week so I newer FS should be the dugs danglers I'd expect ..
Your views constructive and down right abusive are appreciated...
I'm assuming that you have the wherewithal to make the repayments on any credit deal, or at least have enough from the redundancy to cover any shortfall.
Shop around to get a 0% deal on the bike you really want (Stif?). Then put the spare cash from your redundancy somewhere you can get a bit of interest on it but still accessible so if you need to dig into it to meet the repayments you can. In my case, that's overpayment on my offset mortgage.
I know I'll get hammered for suggesting a credit deal but if it's at 0% and you can use the cash from your redundancy elsewhere better, then it's like free money.
Only hurdle might be getting a credit deal if you are between jobs / with only a short history in your present job.
Thanks for the advise my between jobs period Is around 48 hrs , my point Is I love my hardtail and tbh haven't spent much in the last 2 years and had a blast . Do I want to buy a £1700 bike after riding In reality a 'Old but Gold' £300 full susser and enjoying It .? Now as much as I like Coasty and his Cannondale I'd like a newer bike , In reality are 2 or 3 year old well maintained bikes worth the cash. For example my bike was £750 and I changed the frame to a 456 plus new drivetrain and twice serviced forks , I'd expect about £400 for a 20 month old bike.
no money is free money.. compare the prices x 's cash deal will be significantly cheaper than y's interest free and paying the extra and taking the credit and putting your cash in the bank sounds like a good idea but you lose both ends as no-one is paying any worthwhile interest at the moment.
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