i am 16, i have a very stable job and $300 government cheques coming in monthly. i’m looking at financing a new sled for a little over 17k. the government payments alone should cover the monthly payments but i’m hesitant because i’ve heard lots of bad stories
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This sub is dominated by a US audience. The reason I highlight this is your spelling of cheques is non-American.
Thus, I’m guessing your use of the word “sled” is also not the same as I (an American) would understand it.
Otherwise… I mean… that’s probably quite the pimped out gravity powered seasonal vehicle for 17K.
Could try posting in one of the region specific subs.
yep, sorry i’m a canadian and we call the gravity powered things “slides” or “sleighs”
Your govt pays for sleds now?
What you haven’t done yet is the mathematical equation to determine if this purchase is worth it. You need to take the total cost of the sled, that’s including interest, then divide that by the number of smiles 🙃 per liter (smiles/liter = days spent with the boys having fun + outdoor adventures and experience outside gained + girls numbers obtained looking cool) that it brings you. If the number is over 1, you don’t buy it. If it’s under 1, you buy it.
But in reality, don’t buy it at that age. Save money for another year and buy a 2 year old model from somebody who made the mistake of financing something they couldn’t afford.
If no one’s mentioned it r/PersonalFinanceCanada may also be a good resource
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