Camper Journey #5—Despite the #4 and Final

@porwest (95308)

United States

September 17, 2022 4:07pm CST

It has felt like playing that age old game with the forget-me-not flower. "We have a camper, we don't have a camper. We have a camper, we don't have a camper." Well, it appears we do in fact have a camper. Well, for now. Who knows if this story is quite over yet. The long and short is that we were getting some weird financing offers. Ones that blew my mind and frankly blew the deal. At one point they came back and said, "We can do 17% for 10 years at $800 a month." For a $30,000 camper???? Are you out of your mind??? That's $96,000 by the time I pay it off!!! We walked, and rightly so. But of course, they still wanted to sell the camper. So, we went back and forth, and I basically told them how this was going to go, because they needed to sell me a camper far more than I needed to buy one. To make a long story short (I can fill in the blanks in the comments), they finally came back with 8.75% for 10 years at around $400 a month. Okay, now we have a deal. We go back next Saturday to get the truck work done we need to do to pull it and get the papers all signed and take delivery. But what a ride to the finish line. Yeesh!

11 people like this

11 responses

@RubyHawk (99404)

• Atlanta, Georgia

17 Sep 22

That’s good that you finally have a deal. Congrats.

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@RubyHawk (99404)

• Atlanta, Georgia

18 Sep 22

@porwest I didn’t realize you were getting a camper that has to be pulled. I thought it was an R V.

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@porwest (95308)

• United States

20 Sep 22

@RubyHawk I thought about an RV, but for the money and the convenience, right now I think one you pull is more economical and useful.

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@porwest (95308)

• United States

18 Sep 22

I won't be fully convinced until it is on the back of my truck and we're pulling away from Camping World. lol

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@lovebuglena (45177)

• Staten Island, New York

17 Sep 22

Good luck. Hope it works out in the end. 8.75% is way better than 17%. Could you have gotten them to go down even lower?

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@porwest (95308)

• United States

17 Sep 22

To be honest, we do not intend to keep the loan. It just gives me a little time to work out a better payoff plan ultimately. The camper will likely be paid off in the next 6 months. This just buys me some time. So, I am happy with the short term numbers.

@lovebuglena (45177)

• Staten Island, New York

17 Sep 22

@porwest It's good that you can pay it off when you want and not have to do it for the whole amount of time the loan is for.

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@porwest (95308)

• United States

17 Sep 22

@lovebuglena I never keep loans to term. It is just a rule for me. I dislike debt.

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@kaylachan (74129)

• Daytona Beach, Florida

17 Sep 22

Oh the fun back and forth games people love to play.

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@kaylachan (74129)

• Daytona Beach, Florida

18 Sep 22

@porwest I agree. That's what makes it all the more real, when you physically have it.

@porwest (95308)

• United States

17 Sep 22

It has been an interesting experience so far. I say so far since I don't know if it is quite over yet. It's like the wife said, "I won't be totally excited until the camper is attached to the truck and we are driving away." lol

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Vicki, #1 Creek Girl

@1creekgirl (42165)

• United States

18 Sep 22

Wow, you're getting that gorgeous camper after all...congrats!

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@porwest (95308)

• United States

18 Sep 22

Yep. It looks like that is the case. I am getting excited. But of course the wife says she won't be excited until the camper is attached to the truck and we are driving away. lol

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Vicki, #1 Creek Girl

@1creekgirl (42165)

• United States

18 Sep 22

@porwest You're not the only realist in the family!

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@porwest (95308)

• United States

18 Sep 22

@1creekgirl No. It would seem not. lol

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@CarolDM (203422)

• Nashville, Tennessee

17 Sep 22

Well congratulations are in order. Sometimes it pays to walk away. Happy for both of you.

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@porwest (95308)

• United States

17 Sep 22

I told Gator in our last conversation I was probably not his easiest customer. He actually said, "the smart ones rarely are." I am going to take that as a compliment. lol

1 person likes this

@porwest (95308)

• United States

18 Sep 22

@CarolDM Me too. Although, like the wife said, she won't be excited until the camper is attached to the truck and we are driving away with it. lol

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@CarolDM (203422)

• Nashville, Tennessee

17 Sep 22

@porwest That was a compliment. Glad you got the numbers you wanted.

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Nocturnal Writer

@Nakitakona (56484)

• Philippines

7 Oct 22

That's a good deal of 400 USD a month. Goodluck and enjoy it.

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@porwest (95308)

• United States

7 Oct 22

I thought so too. And of course we will pay it off long before the note matures.

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@porwest (95308)

• United States

10 Oct 22

@Nakitakona Yep. I don't like owing people money. So paying it off sooner is better than later.

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Nocturnal Writer

@Nakitakona (56484)

• Philippines

9 Oct 22

@porwest I know you can for you have a plan and you stick to it.

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@crossbones27 (49957)

• Mojave, California

17 Sep 22

Wow that is crazy, when you know country became truly about money and not like dude we countrymen we look out for one another and create a sustainable life for future generations. Me and you may disagree on everything but pretty sure you agree with that,. Glad you worked it out and have a deal.

1 person likes this

@porwest (95308)

• United States

19 Sep 22

I don't know if I agree or not. I am not exactly sure what you said.

@DaddyEvil (139963)

• United States

18 Sep 22

Congrats! I hope nothing happens to queer the deal at the last minute.

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@porwest (95308)

• United States

18 Sep 22

There is always the possibility something could still go wrong. I am still fully prepared to walk if necessary.

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@JudyEv (344821)

• Rockingham, Australia

18 Sep 22

Some people buy on terms but never bother to work out what the total cost is going to be. Good luck with getting to the finish line this time.

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@porwest (95308)

• United States

18 Sep 22

Yeah. Many do. It is important to understand all the costs. If you don't do the math you can certainly get stiffed.

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@Deepizzaguy (105890)

• Lake Charles, Louisiana

17 Sep 22

I know what you mean that just finding the right deal to buy a camper was hard.

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@porwest (95308)

• United States

18 Sep 22

This process was more than interesting. A complete learning experience for sure. Now the fun will be learning how to camp and pull a 39' camper. lol. My work is far from done.

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@LindaOHio (183840)

• United States

18 Sep 22

Hooray! Glad you were able to work it out.

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@porwest (95308)

• United States

18 Sep 22

Me too. We still have a lot of money going out, but in the end it is worth it. $10k down and we'll spend probably another $2k-$3k prepping the truck and whatever the wife comes up with. She's talked about wanting to 'decorate.' lol. That could cost some dough too.

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