<font color=blue>alot of people are buying new machines for 20,000 plus in here and think nothing of it, wish i was so well off.</font color=blue>
I would suspect that most all of the folks here a TBN were / are, where you are now, and many of them have probably worked there way up to there $20,000 + machines over time and years. I am also posative, that not 1 of them. did it with "thinking nothing of it".
Most everybody here probably did a lot of research before their purchase, including the "How am I going to pay for this" research. Spending $20,000 + or even 1/2 that, requires serious thought, and for some guys, some serious begging & groveling to the wife. /w3tcompact/icons/love.gif
Although owning a machine was something I had thought about a time or 3. I had no plans whatsoever to buy a tractor it just kinda happened. I was there, the tractor was there (used) and the [censored] finance company had the audacity to say yes.
(thankyou John Deere credit/w3tcompact/icons/smile.gif) I just had to rationalize the purchase and figure out if I could afford it. The sale price was fair, the payment was managable, so I signed. This all took about 24 hours.
My plan was / is to pay it off and sell / trade it in for what I would have like, to have bought, if I had been planning on buying one and could have afforded it.
Anyway, I am dragging your post way off track.
My thought is. Have you given any thought finding a good used machine? Buying used got me into a wonderful older tractor (1988) for very fair money ($11,500) with payments of well under $300 a month I don't know how much used equipment is available in your area but it might be worth a look.
It takes more then one lick, to get to center of the Tootsie Pop /w3tcompact/icons/smile.gif