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sac89

Dover, DE

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Posted: 09/07/17 09:00am Link  |  Quote  |  Print  |  Notify Moderator

Is it better to buy a truck to tow a TT or 5er or buy a Class C or A and tow a car?

Reson for the question, I have a truck towing a TT right now, I need to upgrade my truck very soon. It is too small (IMO) for the trailer. If I add up my current truck payments and my current TT payment, it is quite hefty. Any new truck will increase that payment.

VS

taking that total payment for the two, and purchase a Class C or A or even a Diesel pusher and tow a car that I already own.

Thoughts?

skipro

Tennessee

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Posted: 09/07/17 09:05am Link  |  Quote  |  Print  |  Notify Moderator

I'm in the same situation, so I look forward to the suggestions.

donn0128

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Posted: 09/07/17 09:12am Link  |  Quote  |  Print  |  Notify Moderator

If your that far in debt to play, I think you might have your priorities wrong. It is never advisable to go into debt for depreciating assets.
A MH is going to increase your maintenance budget considerably, so IMHO thst means your going to bengoing backwords further.


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sac89

Dover, DE

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Posted: 09/07/17 09:17am Link  |  Quote  |  Print  |  Notify Moderator

Not a debt issue, just a money conscious consumer. Do I want to invest in a better truck and continue to tow my TT or do I want to invest in a Class C or A and tow a vehicle I already own. Again, not a budgetary or financial issue. Just looking for opinions.

Tom/Barb

Oak Harbor, Wa

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Posted: 09/07/17 09:19am Link  |  Quote  |  Print  |  Notify Moderator

I'd dump the trailer and get one that the truck can tow.
get them paid off prior to moving up.


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rk911

Wheaton IL

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Posted: 09/07/17 09:53am Link  |  Quote  |  Print  |  Notify Moderator

donn0128 wrote:

If your that far in debt to play, I think you might have your priorities wrong. It is never advisable to go into debt for depreciating assets.
A MH is going to increase your maintenance budget considerably, so IMHO thst means your going to bengoing backwords further.

it IS or should be at least partially a financial decision. donno is right. debt is never a good thing. IF you can sell the truck and trailer for enough to pay of those loans then start saving the equivilent of those payments for a used class c/a and pay cash for it. the risk of debt on depreciating assets is too much risk.


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jplante4

Cape Cod

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Posted: 09/07/17 09:57am Link  |  Quote  |  Print  |  Notify Moderator

Tom/Barb wrote:

I'd dump the trailer and get one that the truck can tow.
get them paid off prior to moving up.


This would be the smartest solution.


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downtheroad

Pacific Northwest

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Posted: 09/07/17 10:09am Link  |  Quote  |  Print  |  Notify Moderator

You asked for thoughts - so my opinion:
We are not comfortable and never get into debt for non essentials. (toys). This formula has worked for us and has paid off with the life style we now enjoy.

Convince me that an RV is essential and I'll listen. We tented until we could afford a used pop-up... saved for the next upgrade and so on.

I'm with those that say get a smaller trailer and pay off your "toy debt" before you upgrade to anything.


"If we couldn't laugh we would all go insane."

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time2roll

Southern California

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Posted: 09/07/17 10:18am Link  |  Quote  |  Print  |  Notify Moderator

jplante4 wrote:

Tom/Barb wrote:

I'd dump the trailer and get one that the truck can tow.
get them paid off prior to moving up.
This would be the smartest solution.
I agree.
Although just keep driving what you have and making extra payment would be my choice.

Since making the payments is an issue I vote no on trading up to a C or A, especially DP.

As another alternative sell the truck and trailer and put some money in savings until you have at least 25 percent to put down on the next RV.


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Durb

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Posted: 09/07/17 10:54am Link  |  Quote  |  Print  |  Notify Moderator

There are other money issues than payments when towing a vehicle behind a motorhome. Will your car tow 4 down or will you have to buy a dolly or trailer? Then there are brake actuator systems that don't look cheap to me. Then you have to maintain two drive trains while on the road.

Personally, I need to have a truck and couldn't function with just a car. Having a motorhome as a second vehicle wouldn't work for us. So I would end up with three vehicles, not a financial plus.


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