Wager Mage
Wager Mage
Photo: Matthew Del Bove
While you may not find it in the dictionary, in the RV world, the word TOAD is slang for “towed vehicle” – typically a car, SUV or off road vehicle that you tow behind your motorhome, to make it easier (and less expensive) to get around and about, explore, shop and run errands in the areas you visit with your RV.
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Read More »We’re taking this RV adventure step by step, so it made sense for us to buy our TOAD before our RV. As part of our pre-planning phase, we have been taking steps to reduce our debts down so the only major financial commitment we will have is the mortgage on our home (which we ended up deciding to sell anyway) and the RV when we purchase it. We are both car lovers, and until recently had two cars – a Subaru WRX (fun, sporty, fast, practical, economical, reliable) and a Mazda Miata (sporty, sexy, economical, reliable and serious top down fun!). Each of these had a car payment and, with both of us working from home, when the summer days gave way to fall, we realized we were paying a lot more for the privilege of having two cars in the garage than we really needed. We don’t have kids, and we live in an area with a high walkability score (we can and walk or bike to the grocery store, bank, restaurants etc), so there were many days we didn’t use a car at all. Getting financially free so we could get a step closer to our RV adventure dreams was our top priority, so we sold the Miata first and paid off the auto loan, saving us $280 per month – which really adds up to $350-$400 per month when you consider the insurance, maintenance and registration savings too. While the Miata would have been an awesome, fun car to keep as our TOAD, it’s only a two seater – and given we’ll be taking our labradoodle Coda along for the adventure, it just wasn’t going to work. So bye bye Miata! We had great times together, and I’ll admit I shed a tear when she drove off with her new owner, but we knew selling her was the right thing to do.
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Read More »2. The biggest factor of all in this decision was the auto payment. In preparing for this adventure, it’s really important for us to reduce our debts, and by selling the WRX we knew we could still get good money for it, and pay cash for a slightly older, nice convertible (with a backseat for the dog) while dropping off our monthly payment. This is an important step which would free us up to more easily afford the RV sooner rather than later. So decision made, we sold the WRX the following week. It was snapped up just 24 hours after listing, faster than we expected, which meant we found ourselves car-free for the next week and a half. It’s amazing how many people react when they hear you don’t have a car – ANY car. Marc’s mom thought we were crazy and told Marc so but we also knew this was a temporary situation and we’d get by easily enough without a car in the short term. Several generous neighborhood friends offered to loan us their vehicle if we needed it, and we could rent a car locally for $11 a day in need, plus we were confident we’d find our next car pretty quickly. Cashed up and ready to buy, finding our new wheels became our next mission! Purchase price around $10K-$11K so we could pay cash for it – no monthly payment! Good brand, reliable, economical, low mileage, well maintained by previous owner inside and out Convertible, with a back seat for the dog Fun, zippy, sporty with personality (we are both car lovers/fun seekers after all) Has a car club we can join, so we can meet new people on our travels and go on drives together (like we did with the Mazda Peak 2 Peak Miata Club) Able to be towed either 4 wheels down or towed using a tow dolly. (We looked into the option of a flatbed trailer, but felt it would be more expensive to buy a trailer, heavier to tow than we wanted/needed, and not as nimble – having to deal with a motorhome, a trailer and a car, when parked at campsites.) Based on this, and Marc’s previous interest in MINIs (in 2009, when deciding between a Subaru WRX and a MINI Cooper S – the WRX won), we were pretty sure we wanted to go with a Mini Cooper S Convertible (6 speed manual) this time around. But more research was needed. We also needed to learn what vehicles could and couldn’t be towed, and whether or not our specific selection – a MINI Cooper S Convertible – would be viable. As it turns out, a MINI can be towed – with all four wheels down, which would require an investment in a towing kit (quite a few hundred dollars) as well as require drilling the front grill to attach the mounting hardware, which we weren’t sure we wanted to do. Importantly, because we were buying a used MINI – not new – we also didn’t need to worry about the issue of towing the vehicle voiding our warranty.
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Read More »We could also to tow the MINI with a tow dolly, so buying a MINI would afford us two towing options to choose from. (We ended up buying a used Acme car tow dolly from Craig’s List for $800, about half the price of a new one and spent another $200 replacing the tires. If we ever sold the dolly, we’d get most of our investment back.) Marc driving our sexy new 2006 Mini Cooper S Convertible in Hot Orange, at Arches NP, Utah. Next, we spent a good week or so researching MINIs to narrow down to exactly what we wanted, right down to the year and color, so we could focus our search on finding ‘the one’. Those of you who know us also know we like to get really clear with our intentions, to help us find exactly what we’re looking for. We found the car that met all of our criteria in Nevada and booked a quick weekend trip to Las Vegas to pick it up! Did someone say road trip!? Naturally, we couldn’t resist a drive through beautiful Arches National Park to take some photos of our new toy with a stunning backdrop.
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