[esq76]

So here's my situation:

I am a 33 yr old married guy with a wife and and young daughter looking to get my first bike. I absolutely love the fury and there is no doubt that this is the bike for me. My local dealer has what i want in stock and I could have it tomorrow if i want.

Problem is i am hesitant to pull the trigger mainly because this is a frivolous purchase and I realize that the money i am going to spend to finance this thing is certainly better spent elsewhere. (getting out of exisitng debt, investing, etc.) I have the angel on one shoulder telling me to do the prudent thing and on the other is the devil saying to take the plunge.
I am self employed and constantly tell myself that I will make more money and in theory i have unlimited earning potential.

So the bottom line is what do you all think i should do? Should i just say screw it and buy it.....or something else.

 

[dillonr]

well ill help you out, buy! ha, but you should consider your your options. possiblely cutting other bills temporary. sacrifice a little. dont get over your head with bills where you cant afford to spoil your daughter. lucky i traded my other bike and paid the difference before i even drove my fury

 

[blackout]

I am married and have a kid....i bought one and love it...we are a single income family and i make it work....just depends on how much u put down and how bad your credit is.... if you have bad credit and no money down then you are looking at high monthly payments...if the oppisite...then there is no question...BUY...BUY....BUY!!!!!!!!!!!!

 

[springmaker]

You are self employed, you alone know how your business is doing, and you should know what you can afford to do. That being said,...
Buy this motherfucker! and live a little! you deserve it! Hell, It's like therapy! I"m married five times, four kids , four grandkids! loving every second on my Fury!

 

[shane85c10]

BUY IT!!!!! Its just another note.

 

[Stonewheel]

Easy peasey

1. First, tell your wife you want more quality time together and you want to come along and help her pick out the perfect shoes the next time she goes shopping. Be *sincere* when you say this. Drinking helps.
2. Buy your daughter a kickass new phone that you yourself couldn't figure out in a million years; she'll disappear for a month and be happy.

3. **** BUY THE BIKE!! ***

 

[uwhunter]

Buy it and moonlight if necessary... You only live once. I mowed yards (landscaped) and bought my VTX, then quit. You'd be surprised how you can come up with $$$ if you set your mind to it

 

[Raventhdog]

I only have to pay $57 a month to keep my fury, thats interest only, then i pay what i want or can on principle... the gas i'm saving driving to and from work everyday on my fury is more than covering the $57 a month. plus the freedom and pleasure i get while riding it is priceless.

you only live once.

 

[Wnewsome]

Get it. Take the kid to school on it. Tell the wife about all the money you will save on gas.

 

[tdebeers]

Get the bike

Ride the bike to work, if possible.
Write it off as a business expense - gas, insurance and all.
Work a few more years.
Retire.
Buy her a Fury and see the world.
Die.
Go to Fury Heaven.

 

[esq76]

Wow. Thank you all for the advice. I am happy to see that there is not one financially responsible person around. Ha ha. I am off to work now and on my way home tonight I think I am going to make a stop. I should be saddled up on my fury Saturday morning!!!

 

[460brevill]

you can always do what i did.tell the wife to come outside and see what i bought for you.make sure you have a headpot for her and be sure you have the little backrest on it .problem solved.you cant return it.

 

[TX Fury]

Classic

1. First, tell your wife you want more quality time together and you want to come along and help her pick out the perfect shoes the next time she goes shopping. Be *sincere* when you say this. Drinking helps.
2. Buy your daughter a kickass new phone that you yourself couldn't figure out in a million years; she'll disappear for a month and be happy.

3. **** BUY THE BIKE!! ***

This was too funny. In all seriousness, I put off buying a new car to buy my Fury. There are tons of nice new cars on the road, but not many Furys. I would rather drive an older truck and have a nice bike than have a new car.

 

[junkie]

Here's my $0.02.
First decide what kind of payment you would be comfortable with. Then talk to your Honda dealer and tell them what you are looking to pay each month and ask how much of a down payment you need to get you there. Their financing app will easily figure this out for you. If you don't have enough for the down payment, start saving or earning extra money until you do. Don't buy it until you can get the payments you're comfortable with. You'll enjoy the bike a lot more if you don't feel like you are saddled with a payment that's too big for your budget.

P.S. Due to inflation my $0.02 is worth only 0.0140031 Euros

 

[tdebeers]

info

My 0.0140031 Euros worth (Thanks Junkie)

First - get the best price on the bike. Dealers are out to make the maximum profit possible, thus they will happily take advantage of you. Knowledge is power! This is how I got mine for 700.00 under MSRP. Find out who the sales manager is and send them a fax with your offer. Example below.

Dear Mr. Sales Manager
Below is my offer for a 2010 Honda Fury.

Dealer invoice: $11,349.00 which includes the $300.00 freight charge for shipping from the manufacture.
Assembly Cost: 40.00 estimated per similar models
Your ready to sell cost $ 11,389.00
My offer for the bike is $ 12,299.00 NO SET UP, FRIGHT OR DMV fees. Bike will not be in CA.
8 % Immediate profit 911.12
5 % Dealer Holdback 614.95
Your total gross profit $ 1,526.07
This is my direct contact info XXX-XXX-XXXX
I plan on making the purchase today.
Sincerely,
Mr. Buyer

You will have some dealers scuff at your offer. I had some state that they were getting 2K over MSRP (ouch). I sent ten faxes. One dealer accepted my offer on the spot and I picked up the bike that day.

Second, if you finance, shop around. Credit Unions offer better deals on points then your everyday bank. READ the contract. Do they have a prepayment penalty? Could the prepayment penalty be important? It can be a significant if you pay the bike off early. Lets say your monthly payment is 200.00 and each month you send in a separate check with an additional 50.00 directed specifically towards the principle. By sending the extra 50 you will reduce your financing cost by over a third. However if you have to pay a penalty because you have cut the number of months the bike is financed -- it kind of nullifies the additional payments.

Hope that is of some assistance. Please feel free to drop me a line if you have questions.
All the best
T

 

[TX Fury]

Wish I had seen this first!

Great info and post. I wish I had seen this before I over paid. Lol live and learn!

 

[LARRYLEGEND]

Funny

Man was that some funny stuff reading your cry for help ...... dude, you want the bike so just do it! Why would you use the $$$ to pay off other crap when you will always be in some kinda debt anyway. Happiness is so important in life. You deserve the ride brother!

Larry
New York

 

[Sundance]

Buy the bike man! You will feel so good sittin' on your Fury...you'll be glad you found a way to make it work. Is it frivolous? You bet! Sometime you just have to do something because you really want to....And you sound like you really want to do this. You'll likely go through a little buyer's remorse, but you'll get over that. Two months and 600 to 800 miles later, you'll feel nothing but happy and satisfied that you can step out of your door and mount the baddest looking production bike ever built any time you feel like it. Besides, you need to put it in perspective...the only other way to sit on anything else that come close to a Fury is to pay about 35K + for a custom that is not nearly as reliable. You're only spending about 13K.
.

 

[tdebeers]

Sundance.
"Besides, you need to put it in perspective...the only other way to sit on anything else that come close to a Fury is to pay about 35K + for a custom that is not nearly as reliable. You're only spending about 13K."

35K... that would be a cheap one! But Sundance hit the nail on the proverbial head. Can you imagine spending 40 grand and then sitting on the side of the road because your expressive machine has broken down?

They can say what they want about it being non-american i.e HD, but in all forty years I have owned various Honda models not once have I had to call AAA. However, I can not say the same for the HD's I have had... ugh. They are worse then a temperamental woman.

T

 

[pithhelmet]

Pull the trigger

It took me a little over a month trying to decide to purchase it.

Look at all the colors, blue, purple, silver, matte silver - then a black one rolled in.

Took a little over 20 minutes to decide.

Girlfriend was stunned, she thought i would back out....

but i signed the paper work, had the wind screen and scoop with lights installed, and drove it home in under an hour.

I can only say one thing....

I should have pulled the trigger sooner.

In LA (Lower Alabama) there are a lot of cruisers and a couple of choppers, but the fury REALLY turned a LOT of heads and a LOT of thumbs up going down the road.

I am VERY happy with the bike, no regrets.

take care
tony