Can someone explain to me why I do NOT need another tractor?

[WM75Guy]

Also remember kids are money pits. It is amazing how disposable income disappears when kids come along.

:thumbsup: X2, 3, 4, to infinity. You cannot feed or put diapers on the kid with a new tractor.
You might be able to change diapers with your TLB if you can feather the backhoe good enough and it has a thumb. That's as close as I want to get to dirty diapers. :laughing::laughing:
Seriously, now is not the time for spending cash or having any new payments with a baby on the way.

 

[blueriver]

I have a rule ... If I want it, can pay for it ... Buy it.

 

[Singlemalt]

I used a Kubota L3710 to do a lot of work around my property when I was building, including stump digging with the FEL.

When you move to a bigger tractor it's amazing how many of your old implements that were satisfactory just won't adapt.

Don't sell your L4610 short.

 

[jenkinsph]

I used a Kubota L3710 to do a lot of work around my property when I was building, including stump digging with the FEL.

When you move to a bigger tractor it's amazing how many of your old implements that were satisfactory just won't adapt.

Don't sell your L4610 short.

Very good point you make, all of my tractors 110, 4520 and 820 are similar in size and weight and can share most implements. When I bought the small x749 with limited cat 1 hitch I had to buy another set of smaller sized implements.

 

[RTII]

While I think that purchasing "toys" with cash is the right way to go about things, I consider my tractor a tool which I just happen to enjoy using. With that said I also consider that my time has an actual value to me. So if the numbers work out that a better tool like a tractor will increase my productivity (thus enabling more free time - the REAL value!) then I don't mind having a note to pay off. This probably only makes sense to me but hey, we're not all clones so we do whats good for us as individuals.

 

[Singlemalt]

More important than asking us what we think, what does your 'significant other' think?

 

[deere5105]

While I think that purchasing "toys" with cash is the right way to go about things, I consider my tractor a tool which I just happen to enjoy using. With that said I also consider that my time has an actual value to me. So if the numbers work out that a better tool like a tractor will increase my productivity (thus enabling more free time - the REAL value!) then I don't mind having a note to pay off. This probably only makes sense to me but hey, we're not all clones so we do whats good for us as individuals.

Would be surprised to hear anyone state taking on debt is a good thing. It's just not always an option to pay cash for everything for some. I purchased my first tractor at a time I questioned if I should or not. Little later added a FEL to it. After spending a little time with this set up I realized I really wanted something a little bigger and 4WD. Moved up from 50 HP to 64 HP at engine and 4WD for very little extra due to finding a really good deal and buying initially a machine that would have a good resale. After now spending a year or so with the new machine I am very glad I made the move. I too would love a cab for certain situations, but just don't find it practical for what I do at this time. I spend an equal amount of time in the woods and would be constantly worried about damaging the cab. Like others have stated, if you have clearing work that your machine is not suited to you may want to consider highering it done or renting. Often this type of work can be pretty tough on a machine and you could avoid putting that wear on your own machine. For most maintenance and upkeep work you may find you have just what you need already.

 

[RTII]

"Would be surprised to hear anyone state taking on debt is a good thing. ".......

Yeah, hence my qualifier:

While I think that purchasing "toys" with cash is the right way to go about things, I consider my tractor a tool which I just happen to enjoy using. With that said I also consider that my time has an actual value to me. So if the numbers work out that a better tool like a tractor will increase my productivity (thus enabling more free time - the REAL value!) then I don't mind having a note to pay off. This probably only makes sense to me but hey, we're not all clones so we do whats good for us as individuals.

 

[MtnViewRanch]

You can do it yourself with what you have when you have time.

You can upgrade and do it yourself when you have time and get more done. :thumbsup:

You can pay someone else to do stuff, hope that they can do it when and how you want it done and have no new machine and still be out the $$$$$.

If money is tight, then the first option is probably the best for now. But to wait for everything to be just right, you will be waiting a long long time, there is always some reason NOT to do something.

Everyone looks at things a bit different, only you can make this decision.

 

[foreman Etexas]

If you need two then get the second,or just trade up. I have two and sometimes wish I had a 3rd so I dont have to keep moving one back and forth. I will suggest wait until the baby gets here,we had trouble with the second son and spent quite a bit a time in the hospital and doctors office for a short bit after he was born($$$$),then the wife didnt go back to work until he was around 2 but all is good now days. I have 2 sons and 2 kubotas,and of course I financed the tractors, if I waited 3yrs to save up and buy one,what would I do until then,rely on someone else? You take someone that says have to pay cash for eveything and take me who has finaced somethings and paid them off,and see who gonna get the better morgage rate or even financed. I have had the cash and still financed for year and pay it off in 6mnths to get my credit in the 700's.I keep my debt to income ratio under 50%. If you can afford it,then do what your wife will let you