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Discussion Starter #1
I need a rifle to finish/ round out my HD collection as you might know Im not a big fan of ARs since I prefer my rifles to have a "m" and "1" in the title somewhere.I have been thinking about a garand but then I found myself on Springfields website looking at M1As and I am in love with the socom II seriously, I dream about it and daydream about it and put stuff on my midway wishlist for it even though I dont have it...Ive got it bad. All this was leading up to my plan which goes like this: I can sell my guitar for the money to get acessories (sling, cleaning kit, bag, safe etc) and the site I have been looking at (not disclosing the sites name...cause Im crazy) finances rifles and I am about to graduate from college which means that I will hopefully have a good job anyway Im getting off of topic the site finances and my payments would be in the $55/month range.

I comprised this hairbrained plan last night and even lost a bit of sleep over it so what do you guys think about it? I plan to put it into effect once I get a good job...if I can wait that long



..I had entirely too much morning coffee...
 

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I realize some monthly payments are necessary, but I personally hate them LOL. I finance big ticket items when there is no other choice, but that's it.

In this economy especially, the less you owe the better. I put what a monthly payment would be in the bank until I can pay CASH for whatever I want to buy...it may take longer, but I hate paying interest and the monthly stuff. Last 2 vans I bought were paid in cash for that very reason, don't think I would finance a gun...but that's just me. My 1st wife got us in trouble with credit cards when I was just 21, I've been careful to avoid that mistake again...or maybe I'm just an old phart set in my ways. :p
 

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I financed a gun when I was young. When i paid the gun off, the finance company offered me another loan, I took it and it went downhill from there. I will not step into that pit again!
 

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First off - I, too, like things that start with an M and end in a 1. You could probably get 2 Garands and 1 M1 Carbine for the price of the M1A!! However, the M1A Socom II is certainly a nice rifle. I do own an M1A Scout.

As for financing a gun ... please take the advise of the wiser older guys on here ... save your money and then buy it. You will enjoy it more and and it will probably cost you less in the long run. It took me 40+ years to get out of debt (cars, trucks, boats, house, credit cards, etc, etc) and now that the debt is gone, it is much easier and more rewarding to just pay with cash without the worry and expense of monthly payments. The less you finance in life the better!! IMHO
 

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Not to be pessimistic but I would count your eggs before they hatch. This is the worst economy people from our generation have ever been in. Dont buy it if you dont have the cash.
 

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+1
when i got out of college i had acquired two maxed out credit cards and a car note. Took almost four years to get out of it and now i dont even own a credit card = ) its tempting at times to go get another one. But for the next 30 years im gonna be dealing with a house note = (
 

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Discussion Starter #7
well I try to avoid debt as well but I had to take out student loans that add up to about 20k I figure another 3 grand wont be much more than a drop in the debt bucket ( im getting the wife a ring too since I was broke at proposal/wedding time)

If this is the last thing ever that I get on credit Ill be okay...

on a side note I have never had a credit card and have only taken out 2 loans in my life, one for an engagement ring that got taken back (they still expected me to pay for it though wtf?) and my student loans. so im not credit happy or anything Im just trying to get this rifle and Im afraid my wife will tap into any "gun" savings I have to get things that are "higher priority" like a majillion articles of clothing from gymboree (if only you knew how many clothes my kids have...) or something
 

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+1 Don't do it

You've lived this long without one....

since you are motivated...get a part time job and work your a$$ off to pay for it...If you want it that bad it won't seem like work

my 2 cents
 

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Save your money for it. :2c:
 

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Depends.

Whaddya you want it for?

Saw a dude at the last Tupelo gun show with a tricked out M14 clone for less than you're talking here. Why the short barrel?
 

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Discussion Starter #11
Stonewall said:
Depends.

Whaddya you want it for?

Saw a dude at the last Tupelo gun show with a tricked out M14 clone for less than you're talking here. Why the short barrel?
It will be the final piece in my SD/HD/SHTF/zombie attack arsenal and I suppose it would be fun to shoot. I want a springfield because they make excellent firearms and I have had nothing but good experiences with them (brand loyalty) I want a M1A because out of the battle "family" of rifles I prefer them over ARs ( .308>.223), AKs and SKSs (just dont like them) and between the Garand, Carbine and M1A it strikes my fancy the most :idk: I want a SoCOM II (short barrel) because I like the CQB capabilities ( I'm trying not to sound like too much of a chairborn ranger here cause Im not really) I have looked and compared for a few hours now and have convinced myself that I can settle for a standard model and still have no regrets since it would serve my intended purposes rather nicely, though the SOCOM II would be nice.

through some number crunching, I got my grand total (wifeys ring included) down to $3617 and the majority of it is ring, I have to get her the ring whether I get the rifle or not and the only way I am going to pull it off is through some BS loan which is back to the "drop in the bucket" thing again so why not get the rifle too?
 
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It seems that your post header tells the story. If you're thinking that you are about to do something stupid, then you probably are. My advice, don't use having to borrow money for a wedding ring as an excuse to bump up the loan to get the gun. If you do, then the entire meaning of the ring will be lost for you in the purchase of the gun. Don't ruin this for your wife, you're gonna need her support down the road when you are more financially able to buy your guns. Just my 2 cents worth behind 45 years of marriage.
 

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Ive just been taught that the only thing you should get a loan no is a house, but I guess if money was tight my view might change alittle. All I can say is the economy is bad, and wont get better for a long time. More people are fireing than hiring, but your a grown man and you gotta do what you think is best.
 

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Discussion Starter #14
SGMJody said:
It seems that your post header tells the story. If you're thinking that you are about to do something stupid, then you probably are. My advice, don't use having to borrow money for a wedding ring as an excuse to bump up the loan to get the gun. If you do, then the entire meaning of the ring will be lost for you in the purchase of the gun. Don't ruin this for your wife, you're gonna need her support down the road when you are more financially able to buy your guns. Just my 2 cents worth behind 45 years of marriage.
:shock: I never looked at it that way...of course I'm knucklehead so it isnt that suprising that I didnt

thanks for putting that in perspective for me
 

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Don't do it. If your scared of money getting used up, just get the cash and put in "gun Wallet" every payday/month. I have a gun wallet and only buy guns and such with money that I have in it. PERIOD. Self control my friend. Don't do it
NO NO NO.
 

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If you are really feeling the need for a SHTF rifle, buy a more moderately priced one that works right now. What was the saying, "Best is the enemy of good enough?"

You can always sell later on ................. like that's gonna happen! :lol:

When you have the cash later, buy the Dream Rifle!

Just my 2 cents FWIW.

BTW - How many varieties of rifle have you tried out personally so far??
 

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Wait on that rifle....spend the $ on the ring...and I would not borrow for it either....If things go right...you'll have the wife a lot longer than most guns you just had to have...

I like G1D's gun wallet idea...combine it with a 2nd job....plus a SOCOM II is rather top end....there are plenty of other things that will do the job for you if SHTF

Plus if your GF finds out you bought the ring and the gun on the same big loan....well lets just say....she aint gonna feel real great about it...you need to make sure she's the #1 priority...trust me on that one!

There will be plenty of time for guns later...after babies, diapers, shoes,shoes, shoes, dresses etc etc :lol3:

Part of being married is learning to sacrifice what you want...for the good of your wife, children and family....you might as well learn it now....being single is easy


Married 26 years and counting
 

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Discussion Starter #19
msredneck said:
Wait on that rifle....spend the $ on the ring...and I would not borrow for it either....If things go right...you'll have the wife a lot longer than most guns you just had to have...

I like G1D's gun wallet idea...combine it with a 2nd job....plus a SOCOM II is rather top end....there are plenty of other things that will do the job for you if SHTF

Plus if your GF finds out you bought the ring and the gun on the same big loan....well lets just say....she aint gonna feel real great about it...you need to make sure she's the #1 priority...trust me on that one!

There will be plenty of time for guns later...after babies, diapers, shoes,shoes, shoes, dresses etc etc :lol3:

Part of being married is learning to sacrifice what you want...for the good of your wife, children and family....you might as well learn it now....being single is easy


Married 26 years and counting
umm neck..Im married with 3 kids...not that your point isnt valid its just that your statement about the GF could likely get me killed should my wife see it

yeah Im waiting on the rifle :\ (not happy about it but its what needs to be done, responsibility etc :blah: )

I was about to order the ring last night and the wife came in while I was reading the fine print and asked...then figured out what I was doing... she informed me she would have killed me if I had financed that ring...I didnt mention the rifle

I got $17 in change in the fund for these..
 

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crossedcannons45 said:
[I was about to order the ring last night and the wife came in while I was reading the fine print and asked...then figured out what I was doing... she informed me she would have killed me if I had financed that ring.....
Sounds like a financially smart woman :thumbup:
 
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