Home » Public Forums » GMCnet » [GMCnet] Thinking of selling my two RVs
| [GMCnet] Thinking of selling my two RVs [message #164540] |
Thu, 29 March 2012 00:50  |
Robin Hood
Messages: 1078
Registered: April 2011
Karma: 3
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Senior Member |
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Heres the thing... I'm in debt due to student loans to the tune of 140k,
plus the wife's 20k.
Payments on those are 900 per month. That's more than our mortgage of 800.
I'm doing the Dave Ramsey thing, trying to snowball my way out of debt. I
make too much money to be this broke.
I have about six acres of land that would bring about 21k that I am trying
to sell. To put towards the loans.
We've got about 800 dollars of slack in our monthly budget. I am
considering dropping cable, Internet, phone plans, and everything elsi I
can think of which would give us more money to dig out with.
My thinking is that I can sell both coaches for 3k each? Is that realistic?
Yall have seen the videos. Someone with more money than sense could
drive/flatbed them to JimB's and have them totally redone.
On the other hand, it's only six grand, which won't help that much and
selling is such a hassle.. I could keep them stored, both for 50$ a month
until I get these loans paid off... Which will probably be 5 years or so
without selling the land. They'll be waiting and I will have a mighty Money
Gun, instead of the pea shooter I have now. All that effort to move the
queen was motivated by avoiding another 50$ storage fee.
What thinketh my much older and wiser folks?
--
Robin Hood
Jackson, MS
2003 Buick Lesabre
1968 Pontiac Catalina
1978 GMC Royale motorhome
1977 GMC Palm Beach motorhome
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| Re: [GMCnet] Thinking of selling my two RVs [message #164541 is a reply to message #164540] |
Thu, 29 March 2012 01:12  |
henryblairjr
Messages: 43
Registered: February 2012
Karma: 0
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Where are they?
Henry
Henry K. Blair, Jr.
603 South Walton Street
Bethune, SC 29009-9032
(770) 998-4897, Cell (770) 827-7392
henryblairjr@gmail.com
On Thu, Mar 29, 2012 at 1:50 AM, Robin Hood <loxley@gmail.com> wrote:
> Heres the thing... I'm in debt due to student loans to the tune of 140k,
> plus the wife's 20k.
>
> Payments on those are 900 per month. That's more than our mortgage of 800.
>
> I'm doing the Dave Ramsey thing, trying to snowball my way out of debt. I
> make too much money to be this broke.
>
> I have about six acres of land that would bring about 21k that I am trying
> to sell. To put towards the loans.
>
> We've got about 800 dollars of slack in our monthly budget. I am
> considering dropping cable, Internet, phone plans, and everything elsi I
> can think of which would give us more money to dig out with.
>
> My thinking is that I can sell both coaches for 3k each? Is that realistic?
> Yall have seen the videos. Someone with more money than sense could
> drive/flatbed them to JimB's and have them totally redone.
>
> On the other hand, it's only six grand, which won't help that much and
> selling is such a hassle.. I could keep them stored, both for 50$ a month
> until I get these loans paid off... Which will probably be 5 years or so
> without selling the land. They'll be waiting and I will have a mighty Money
> Gun, instead of the pea shooter I have now. All that effort to move the
> queen was motivated by avoiding another 50$ storage fee.
>
> What thinketh my much older and wiser folks?
>
>
> --
> Robin Hood
> Jackson, MS
> 2003 Buick Lesabre
> 1968 Pontiac Catalina
> 1978 GMC Royale motorhome
> 1977 GMC Palm Beach motorhome
> _______________________________________________
> GMCnet mailing list
> Unsubscribe or Change List Options:
> http://temp.gmcnet.org/cgi-bin/mailman/listinfo/gmclist
>
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| Re: [GMCnet] Thinking of selling my two RVs [message #164545 is a reply to message #164540] |
Thu, 29 March 2012 02:09 |
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ljdavick
Messages: 3548
Registered: March 2007
Location: Fremont, CA
Karma: -3
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Senior Member |
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Robin,
Of course you realize who your asking...
Still, the Motorhomes are a luxury. They will not appreciate beyond what you will invest in them over time. The process of fixing them, and then the travels you'll take in them will prove to be more valuable than a few thousand dollars, to my way of thinking. But you must consider all options.
Have you considered what your earning potential might be in a few years? Newly out of school with a pile of debt it's tough to see the forrest for the trees. Too bad you couldn't take a night course and defer that debt a while longer. Still, with an improving economy and your abundance of charm you'll certainly go far. (I didn't say sense, I said charm. You have 2 GMC's...)
<off topic rant> It's a crying shame that our education system saddles new grads with this kind of burden. California of my childhood had the finest schools and universities in the country, and the cost was very reasonable. Not today. <end off topic rant>
Have you looked at refinancing the debt at a lower interest rate to cut the bank's share? Could you rent those acres and get cash while keeping the asset? Real estate is still depressed. Park the Motorhomes on the land and save $600 a year - it's almost a mortgage payment.
Reducing your debt is a very good thing to do. So is increasing your income. Do you have a sickly rich uncle to cozy up to? Any prospects for a grand idea whose patent will earn you a quick 6 figures? Get to know the local ambulance drivers (sorry - bad lawyer joke.)
The stories of your two coaches touched many of us here. I'd hate to see you sell those rigs, but even if you must I have a feeling you'd be back when times get fat. Frankly I think $3k apiece for sitting coaches is too high today.
I've clearly got no answers but I wish you the best of luck finding them.
Larry Davick
Sent from my iPad
On Mar 28, 2012, at 10:50 PM, Robin Hood <loxley@gmail.com> wrote:
> Heres the thing... I'm in debt due to student loans to the tune of 140k,
> plus the wife's 20k.
>
> Payments on those are 900 per month. That's more than our mortgage of 800.
>
> I'm doing the Dave Ramsey thing, trying to snowball my way out of debt. I
> make too much money to be this broke.
>
> I have about six acres of land that would bring about 21k that I am trying
> to sell. To put towards the loans.
>
> We've got about 800 dollars of slack in our monthly budget. I am
> considering dropping cable, Internet, phone plans, and everything elsi I
> can think of which would give us more money to dig out with.
>
> My thinking is that I can sell both coaches for 3k each? Is that realistic?
> Yall have seen the videos. Someone with more money than sense could
> drive/flatbed them to JimB's and have them totally redone.
>
> On the other hand, it's only six grand, which won't help that much and
> selling is such a hassle.. I could keep them stored, both for 50$ a month
> until I get these loans paid off... Which will probably be 5 years or so
> without selling the land. They'll be waiting and I will have a mighty Money
> Gun, instead of the pea shooter I have now. All that effort to move the
> queen was motivated by avoiding another 50$ storage fee.
>
> What thinketh my much older and wiser folks?
>
>
> --
> Robin Hood
> Jackson, MS
> 2003 Buick Lesabre
> 1968 Pontiac Catalina
> 1978 GMC Royale motorhome
> 1977 GMC Palm Beach
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Larry Davick
A Mystery Machine
1976(ish) Palm Beach
Fremont, Ca
Howell EFI + EBL + Electronic Dizzy
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| [GMCnet] Thinking of selling my two RVs [message #164546 is a reply to message #164545] |
Thu, 29 March 2012 03:06 |
Robin Hood
Messages: 1078
Registered: April 2011
Karma: 3
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Senior Member |
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I agree... Cost benefit analysis says that 6k if that is not worth The
Awesome that is surely to follow as I fix them up and do things with them..
I have to at least consider it.
The land isn't good for anything but a trailer or country home. Timber
priced are so low that it's not worth cutting my scraggly volunteer pine.
If they were nice I could rent them out for the weekend. I could turn the
Bean into a food truck concession stand and work the flea markets, but that
takes investment and the profits are low.
What I need are just a few good personal injury cases, or a LOT of
uncontested divorces that I can do on my two off days per month. Thing is,
I've never worked a personal injury case. The field of law that I'm an
expert in (Veterans Compensation) is the one I can't practice. I can't
represent a client against the Govt even on my off time. That's jailable.
I'm working all the overtime they'll let me.
I'm one of the lucky ones. I got a great federal job with good benefits and
a career track in October 2008 when the economy tanked. A portion of my
loans will be forgiven in seven years or so (faster if the new bill doesn't
die in committee and gets passed by our do nothing Congress). There's
lawyers waiting tables and delivering pizzas, it is murder out there.
With luck, the Boomers above me will retire in a few years and I can move
up into the higher GS levels. I'm bucking for a transfer to DC, but so far
no luck. I had a typo on my last resume (mortifying). Making a few thousand
a year more would be a big help.
(I'm so stressed over this I typed all that on my iPhone at 3AM).
On Thursday, March 29, 2012, Larry Davick wrote:
> Robin,
>
> Of course you realize who your asking...
>
> Still, the Motorhomes are a luxury. They will not appreciate beyond what
> you will invest in them over time. The process of fixing them, and then
> the travels you'll take in them will prove to be more valuable than a few
> thousand dollars, to my way of thinking. But you must consider all options.
>
> Have you considered what your earning potential might be in a few years?
> Newly out of school with a pile of debt it's tough to see the forrest for
> the trees. Too bad you couldn't take a night course and defer that debt a
> while longer. Still, with an improving economy and your abundance of charm
> you'll certainly go far. (I didn't say sense, I said charm. You have 2
> GMC's...)
>
> <off topic rant> It's a crying shame that our education system saddles new
> grads with this kind of burden. California of my childhood had the finest
> schools and universities in the country, and the cost was very reasonable.
> Not today. <end off topic rant>
>
> Have you looked at refinancing the debt at a lower interest rate to cut
> the bank's share? Could you rent those acres and get cash while keeping
> the asset? Real estate is still depressed. Park the Motorhomes on the
> land and save $600 a year - it's almost a mortgage payment.
>
> Reducing your debt is a very good thing to do. So is increasing your
> income. Do you have a sickly rich uncle to cozy up to? Any prospects
> for a grand idea whose patent will earn you a quick 6 figures? Get to know
> the local ambulance drivers (sorry - bad lawyer joke.)
>
> The stories of your two coaches touched many of us here. I'd hate to see
> you sell those rigs, but even if you must I have a feeling you'd be back
> when times get fat. Frankly I think $3k apiece for sitting coaches is too
> high today.
>
> I've clearly got no answers but I wish you the best of luck finding them.
>
> Larry Davick
> Sent from my iPad
>
> On Mar 28, 2012, at 10:50 PM, Robin Hood <loxley@gmail.com> wrote:
>
> > Heres the thing... I'm in debt due to student loans to the tune of 140k,
> > plus the wife's 20k.
> >
> > Payments on those are 900 per month. That's more than our mortgage of
> 800.
> >
> > I'm doing the Dave Ramsey thing, trying to snowball my way out of debt. I
> > make too much money to be this broke.
> >
> > I have about six acres of land that would bring about 21k that I am
> trying
> > to sell. To put towards the loans.
> >
> > We've got about 800 dollars of slack in our monthly budget. I am
> > considering dropping cable, Internet, phone plans, and everything elsi I
> > can think of which would give us more money to dig out with.
> >
> > My thinking is that I can sell both coaches for 3k each? Is that
> realistic?
> > Yall have seen the videos. Someone with more money than sense could
> > drive/flatbed them to JimB's and have them totally redone.
> >
> > On the other hand, it's only six grand, which won't help that much and
> > selling is such a hassle.. I could keep them stored, both for 50$ a month
> > until I get these loans paid off... Which will probably be 5 years or so
> > without selling the land. They'll be waiting and I will have a mighty
> Money
> > Gun, instead of the pea shooter I have now. All that effort to move the
> > queen was motivated by avoiding another 50$ storage fee.
> >
> > What thinketh my much older and wiser folks?
> >
> >
> > --
> > Robin Hood
> > Jackson, MS
> > 2003 Buick Lesabre
> > 1968 Pontiac Catalina
> > 1978 GMC Royale motorhome
> > 1977 GMC Palm Beach
> _______________________________________________
> GMCnet mailing list
> Unsubscribe or Change List Options:
> http://temp.gmcnet.org/cgi-bin/mailman/listinfo/gmclist
>
--
Robin Hood
Jackson, MS
2003 Buick Lesabre
1968 Pontiac Catalina
1978 GMC Royale motorhome
1977 GMC Palm Beach motorhome
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| [GMCnet] Thinking of selling my two RVs [message #164547 is a reply to message #164541] |
Thu, 29 March 2012 03:32 |
Robin Hood
Messages: 1078
Registered: April 2011
Karma: 3
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Senior Member |
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Jackson MS.
On Thursday, March 29, 2012, Henry Blair Jr. wrote:
> Where are they?
>
> Henry
>
> Henry K. Blair, Jr.
> 603 South Walton Street
> Bethune, SC 29009-9032
> (770) 998-4897, Cell (770) 827-7392
> henryblairjr@gmail.com
>
>
>
> On Thu, Mar 29, 2012 at 1:50 AM, Robin Hood <loxley@gmail.com> wrote:
>
> > Heres the thing... I'm in debt due to student loans to the tune of 140k,
> > plus the wife's 20k.
> >
> > Payments on those are 900 per month. That's more than our mortgage of
> 800.
> >
> > I'm doing the Dave Ramsey thing, trying to snowball my way out of debt. I
> > make too much money to be this broke.
> >
> > I have about six acres of land that would bring about 21k that I am
> trying
> > to sell. To put towards the loans.
> >
> > We've got about 800 dollars of slack in our monthly budget. I am
> > considering dropping cable, Internet, phone plans, and everything elsi I
> > can think of which would give us more money to dig out with.
> >
> > My thinking is that I can sell both coaches for 3k each? Is that
> realistic?
> > Yall have seen the videos. Someone with more money than sense could
> > drive/flatbed them to JimB's and have them totally redone.
> >
> > On the other hand, it's only six grand, which won't help that much and
> > selling is such a hassle.. I could keep them stored, both for 50$ a month
> > until I get these loans paid off... Which will probably be 5 years or so
> > without selling the land. They'll be waiting and I will have a mighty
> Money
> > Gun, instead of the pea shooter I have now. All that effort to move the
> > queen was motivated by avoiding another 50$ storage fee.
> >
> > What thinketh my much older and wiser folks?
> >
> >
> > --
> > Robin Hood
> > Jackson, MS
> > 2003 Buick Lesabre
> > 1968 Pontiac Catalina
> > 1978 GMC Royale motorhome
> > 1977 GMC Palm Beach motorhome
> > _______________________________________________
> > GMCnet mailing list
> > Unsubscribe or Change List Options:
> > http://temp.gmcnet.org/cgi-bin/mailman/listinfo/gmclist
> >
> _______________________________________________
> GMCnet mailing list
> Unsubscribe or Change List Options:
> http://temp.gmcnet.org/cgi-bin/mailman/listinfo/gmclist
>
--
Robin Hood
Jackson, MS
2003 Buick Lesabre
1968 Pontiac Catalina
1978 GMC Royale motorhome
1977 GMC Palm Beach motorhome
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| Re: [GMCnet] Thinking of selling my two RVs [message #164548 is a reply to message #164540] |
Thu, 29 March 2012 06:33 |
jhbridges
Messages: 8412
Registered: May 2011
Location: Braselton ga
Karma: -74
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Senior Member |
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Older? Yeh. Wiser? >Very< debateable. I bought my PB for somewhat less, and drove it home for the price of a master cylinder and battery. So whether or not 3K is realistic depends on who around there happens to want one. My approach is based on my 'rect's morbid fear of debt. They were children of the depression and passed that fear on to us. Consequently, I never lived in a morgaged home until I married and we bought one... and when we fell into a piece of change, the first thing we cleared was the mortgage. I have worked my entire adult life in an unstable industry so we've lived at a somewhat lower level than we might have otherwise. I've always been able to feed us though, and comes the fall, I can survive on 'welcome to Wal Mart' wages if I got to.
For those reasons, my advice is, if you and she agree, dump every expense you can stand, live like church mice, and clear out the debt. If you can stand fifty scoots a month, keep the GMCs. Set a reasonable rehab timetable with the sweat equity portions of it up front. Invest the sweat while you've no ready cash to invest. If she thinks it's a fun project, so much the better.
Presumably, you've then four or five years of experience mouthpiecing, and have met some good contacts at the bar. You've cleared out your major debts. Find an appealing area, associate with the ol' poot lawyer who's been there six forevers and hang a shingle. Eventuallyy you become 'lawyer Hood' to the whole dam' town. It's surprisingly lucrative, and it ain't a bad life.
--hjohnny
'76 23' transmode norris
'76 palm beach
From: Robin Hood <loxley@gmail.com>
To: "gmclist@temp.gmcnet.org" <gmclist@temp.gmcnet.org>
Sent: Thursday, March 29, 2012 1:50 AM
Subject: [GMCnet] Thinking of selling my two RVs
Heres the thing... I'm in debt due to student loans to the tune of 140k,
plus the wife's 20k.
Payments on those are 900 per month. That's more than our mortgage of 800.
I'm doing the Dave Ramsey thing, trying to snowball my way out of debt. I
make too much money to be this broke.
I have about six acres of land that would bring about 21k that I am trying
to sell. To put towards the loans.
We've got about 800 dollars of slack in our monthly budget. I am
considering dropping cable, Internet, phone plans, and everything elsi I
can think of which would give us more money to dig out with.
My thinking is that I can sell both coaches for 3k each? Is that realistic?
Yall have seen the videos. Someone with more money than sense could
drive/flatbed them to JimB's and have them totally redone.
On the other hand, it's only six grand, which won't help that much and
selling is such a hassle.. I could keep them stored, both for 50$ a month
until I get these loans paid off... Which will probably be 5 years or so
without selling the land. They'll be waiting and I will have a mighty Money
Gun, instead of the pea shooter I have now. All that effort to move the
queen was motivated by avoiding another 50$ storage fee.
What thinketh my much older and wiser folks?
--
Robin Hood
Jackson, MS
2003 Buick Lesabre
1968 Pontiac Catalina
1978 GMC Royale motorhome
1977 GMC Palm Beach motorhome
_______________________________________________
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Foolish Carriage, 76 26' Eleganza(?) with beaucoup mods and add - ons.
Braselton, Ga.
I forgive them all, save those who hurt the dogs. They must answer to me in hell
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| Re: [GMCnet] Thinking of selling my two RVs [message #164560 is a reply to message #164540] |
Thu, 29 March 2012 10:01 |
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Michael Leipold
Messages: 318
Registered: April 2011
Location: Greensboro NC
Karma: 2
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Senior Member |
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My suggestion is you take the best of the 2 and make one.
Then sell the other one, whether it be as one unit or part it out.
I know they should not be parted out, but I am not up to date on the conditions of them, especially after taking the best of both.
I had the school debts, went through a divorce, where I ended up with all her debt, since my name was on the loan. Ended up filing for bankruptcy, and paid back all my debt, just without interest rates. I am still in debt, but I now own a business that I will support me when I retire. I have remarried and our first goal is being debt free.
Our GMC has sat since our honeymoon, because the transmission clutches burned out. Hopefully our tax return will cover a new transmission.
Things will get better, if the GMC's don't eat up your free time/additional money making opportunities, hang on to them.
You will regret letting them go.
1973 GMC 26' Glacier - Unknown Mileage - Has a new switch pitch transmission with Powerdrive 
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| Re: [GMCnet] Thinking of selling my two RVs [message #164569 is a reply to message #164540] |
Thu, 29 March 2012 10:25 |
1275gtsport
Messages: 272
Registered: September 2009
Location: Rothesay NB
Karma: 0
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Senior Member |
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we can only offer what we would do. You are going to do what YOU will need to do. I love watching the video's you take and some of the funny things you say while doing them. however it will be up to you in the end.
I bought the coach last July paid about what you think you might get out of both. Mine had a LOT of the mechanical thing done to it. (stainless brake lines. stainless exhaust end to end. larger tranny pan etc etc.) I drove it 750 miles to get home and never even checked to see if it was water or antifreeze in the rad. never changed a fuel filter. she ran like a top. Had some house issue like the Onan killing the rectifier etc.
(long story getting to the point)
This year I had a tiny bit of money left over from the last RV we sold and the savings of the storage for that. I am replacing all of the upper cabinets with solid pine. so far including paint, glue, screws and the wood itself I am just over 200 bucks. this will completely rebuild (using the OEM doors) all of the cabinets on the top. Included in that 200 bucks is enough (beadboard) panel to re-do the fridge cabinet and almost enough to do the sink cabinet. I think I need less then 50 more bucks to do that.
scrounge lumber or other parts. last spring I bought a 7 foot counter top for 5 bucks at the local Hardware store's spring yardsale. this year I bought a trailer for less then the cost of a 30 amp extension cord to strip for parts so I could get a new drop in cook top. I will strip all I can use from it sell the rest make a flat bed out of what is left to get gas money for Phoebe. It just takes time. I usually only work on it about an hour a day.
so maybe if the land you own will park both rigs on it you can take those 50 bones a month and in a short time have one ready for the road. then sell that for a much better price to rebuild the one you want to keep. I think you would be further ahead if you build one to use without stealing from the other. Jwiwd
Adam
Adam Raeburn
Rothesay, NB
1976 Austin Mini
1977 GMC Palm Beach
---------------------------------------------------
Once you replace everything that is attached to something else. It will all be fixed.
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| Re: [GMCnet] Thinking of selling my two RVs [message #164578 is a reply to message #164540] |
Thu, 29 March 2012 11:02 |
Luvn737s
Messages: 1106
Registered: June 2007
Karma: 2
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Senior Member |
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I gotta disagree with the majority here. My wife (before we were married) got her Masters at an Ivy League school and paid with it on a large credit card. We went on lean burn and eventually paid it off. I say shed everything you can and dedicate it to paying off your debt. There are things you couldn't afford if they were given to you free. Once you are out from under the slavery of debt, you regain control of your life. Just being on a path towards that will do alot to ease your anxiety.
Randy
1973 26' Painted Desert
Ahwatukee (Phoenix) AZ
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| Re: [GMCnet] Thinking of selling my two RVs [message #164586 is a reply to message #164540] |
Thu, 29 March 2012 12:01 |
jknezek
Messages: 1057
Registered: December 2007
Karma: 5
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Senior Member |
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Paid off my student loans and my wife's credit cards from college. Its a matter of budgeting, working hard, and knowing what is important. I didn't go to grad school until I had a full-time, good paying job, and then I went part time and paid as I went.
Wracking up large student loans is a choice made by a borrower to forgo what they can pay today in hopes of being able to pay it off tomorrow. Tomorrow always arrives.
Cut back on everything and work your debt down. I didn't buy a house, own a new car, or have kids until my student loans were paid. Now I pay my house, one car payment max at a time, and pay off credit cards EVERY month.
Debt is not something to accumulate, it is something to avoid. If selling your GMCs helps you pay off those debts, then do so. There is always time in the future, when your financial house is in order, to buy luxury items.
Thanks,
Jeremy Knezek
1976 Glenbrook
Birmingham, AL
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| Re: [GMCnet] Thinking of selling my two RVs [message #164599 is a reply to message #164540] |
Thu, 29 March 2012 14:14 |
KB
Messages: 1262
Registered: September 2009
Karma: 0
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Senior Member |
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> Totally agree, Keep One, Sell the other
If you can store both for the same $50/month and want to keep at least one, I'd keep them both
until you have the 'good' one fixed up and usable. As you're fixing one up, you
will almost certainly find either a) parts that aren't so good that you can swap from the 'bad' one
and b) something you took apart, can't remember how it went together, and can now look at the 'bad'
one to figure it out. You also have a spare engine and tranny.
The parts alone will be worth hanging onto it, at least for a while. Those parts add up fast,
can be hard to find, and will rapidly outstrip any minor savings of getting rid of the parts coach
when it costs virtually nothing to keep it.
just my .02
Karen
1973 23' (the potential parts coach, for now)
1975 26' (the 'good' coach)
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Karen
1975 26'
San Jose, CA
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.... even) and reduced expenses. Paid TV turned into Streaming Video over the internet. Nice restaurants turned into more trips to costco for a nice meal at home. My wife stays home to take care of the kids so living more simple was important. BUT if you go extreme and make life like a prison term that can make it worse then living out of your means. Just use balance! 