Ours is also 12 years. A couple of movie nights and dinner out...the kind served on a plate, not in a box...would equal or exceed our payment. We deduct the interest on our taxes, so that's a plus. Camping is our peace and relaxation. Our yearly trip to FL with DS#1 would be/WAS a few years ago, more than twice what we spend now. Where can you find a hotel you'd even consider for $40 a night?? Weighing all facts,we're fine with our financing. And we're getting a better return on our investments than our interest rate in our TT.
For sure you'll hear that if you can't pay cash for your toys you shouldn't have them....not everyone has that choice or makes that decision. Don't spend time fretting over your choice...spend that time planning some trips you'll remember forever. Enjoy!
