How Does Debt Affect Bike Life?
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- Опубліковано 15 жов 2023
- Join me on an exhilarating ride through the picturesque English countryside as I navigate the winding roads on my beloved Royal Enfield Himalayan. In this video, I share my personal story of overcoming financial challenges and how it has influenced my motorcycle aspirations.
In the beginning, I faced my fair share of money problems, which made owning a new motorcycle seem like a distant dream. However, through dedication and perseverance, I managed to turn my financial situation around. Now, with a newfound sense of financial security, I am excitedly planning to purchase a new motorcycle.
While the Royal Enfield Himalayan holds a special place in my heart, the desire for something new and different lingers. Join me as I explore the reasons behind my doubts about choosing the Royal Enfield 450 as my next motorcycle.
As I glide through the stunning countryside, I reflect on the challenges I have overcome, appreciating the freedom and thrill that motorcycling has brought into my life. I delve into the unique characteristics of the Royal Enfield Himalayan, sharing my riding experience, and highlighting its capabilities on these scenic country roads.
This video celebrates overcoming financial hardships and showcases the triumph of regaining control over one's financial well-being. It serves as a testament to the joys of motorcycling and the potential for growth and change in our lives.
If you're passionate about motorcycles, enjoy scenic rides, and are inspired by stories of personal triumph, this video is for you. So buckle up and join me on this adventure of self-discovery, as we explore the English countryside on a Royal Enfield Himalayan and discuss the exciting possibilities that lie ahead.
Don't forget to like, comment, and subscribe to my channel as we continue to embark on thrilling journeys together. Let's ride towards a brighter, more prosperous future.
Keep the bike you've got and hang on to your money and build up a savings buffer so that if you're ever in a bad patch again it will carry you through. I only have a Meteor 350, but I paid cash for it, and I sleep well at night knowing there's money in the bank. I laugh at people who 'own' vastly expensive bikes that they have on tick.
I spoke to a guy with a meteor 350 earlier. He seemed happy enough. I follow on from this video in my next video and I say whether or not I'm keeping the himalayan.
Thanks for watching and thanks for the advice.
@@EpicAdamMotovlogs Exactly the advice I was going to say too.
Put that money away, build up a buffer and enough that you can buy the next bike outright, you'll be in a much better position financially long term then.
Paying hpi/ monthly payments essentially is riding a bike you can't realistically afford. Make it a reality by saving hard first and then go out and purchase your dream bike and enjoy it 100x more.
@WishfulThinking-ms2cf the bike I want as a 2nd bike is 20 years old. It's affordable.
#creamfirst
Two years ago I bought a 2007 Honda 600 hornet with 9,000 miles on it for cash. More bike than I’ll ever need. No electronics, easy to home maintain, bulletproof. There is no need to endlessly chase the “ I have to have new “ ideology. Also with the collapse of second hand bike prices there are bargains to be found.
Congratulations on seeing the finish line. I was in a similar position when my kids were young. It took me 10 years to pay off my debts, interest free as arranged by Citizens Advice, and it's an amazing feeling to have done it. Sounds like you have an excellent plan.😊
Sounds very similar to my position.
Glad things are getting better for you mate - know that pain😢. But nothing stays the same and I’m glad things are better for you! 👍👍
Thanks Phil. Too many people can relate & it's only getting worse for most
I was in debt situations for decades and when l rang them up and paid them off with the inheritance I got from my parents house it was the greatest relief I ever felt. Apart from waking up in a flat on my own after leaving my wife, but that’s another story 😂
It is great that your financial clouds are beginning to clear. As far as catching up on bikes I think trying is half the fun, for me to catch up I'll need another life time.
Thanks. You've still got a lot of adventure left in you
well done. I got into a spot of bother in the 2008/9 recession which flatlined my business and I had to close and go on the dole - then for the first time since the age of 16 go back into the world of employment, very stressful time. Took me a number of years, but last year cleared the business overdraft etc. Enjoy your newfound freedom and happy new bike (when it happens)
I sold my flat in the recession. It's gone up by £50k now though. Congratulations on clearing your business overdraft
Pleasure to meet you! Just had your video pop up and subbed. Then I see all the finest people comment below, so I know I am with good people.
No worries and thanks
NIce video mate, it's good to hear your thoughts, and above all they make perfect sense well done mate. Can't wait to see what you get next.
Cheers
I recently bought a 411 Himalayan, an ex-demonstrator from Cooperb Motorcycles. It's got some great mods like footpegs, suspension, handlebar brace, extensive bash plate (no need for Givi engine bars!) and it's just a joy! (£3K, bargain!).
The Himalayan is not fast, but it's fast enough. I live in Derbyshire, so lots of small winding, muddy roads with frequent 'events', usually involving horse-shit. Or sometimes cow-shit. Or sheep shit.
The Himalayan can deal with shit.
That's why it's so good.
Ride safe, take care.
Love and peace.
Thanks for watching. I agree with you. I love my Himalayan although I am after a Triumph Street twin now though. I could keep the himalayan as my winter bike.
We have all been skint at some point, it’s not good but like you’re proven it can get better with hard work and time. Material items are less important than mental health and wellbeing.
It feels like it's taken a long time but I see the end now. I'm just glad i got help before it got too bad
Enjoyed listening to you. I am glad that you are doing well bro. Keep going and take care. It is gonna be hard to beat the RE Himalayan price/what you get ratio. :)
True about finding something that's better value. I might keep it but also get another bike.
@@EpicAdamMotovlogs Yeah, I will watch the updates if you are gonna film them. :)
Great video mate and well done for putting that out there, I think we all go through it!
I am also just coming out of a similar situation, and this year for the first time ever we are all going to Spain for a family holiday!
Also looking like I can buy a bike to fully compliment the MT-01!
Cheers. I think I'll pop your way on the new bike soon. Chips are on me
Oh mate, been there. You know when people say "oooh I've got no money"...and what they mean is "I've got all this property, a 3 figure salary, loads of savings but because they've just made a big purchase or something they feel poor". Ive been exactly where you are. Had months of homelessness in my early 20s where I was sofa surfing. Had a marriage once and a house but lost all that and only in the last few years have things come out of the other side. Be careful, but make sure you enjoy the feeling of being stable again and get something you really want and love it!
Cheers. I never knew that about you. We must meet up again soon. You have my number. Take care.
You could do with a nice C90 customized chopper 👍. Ive just spent the last year trying to choose my next bike. Ended up with a CB500x, more than pleased with it. But it's not a looker 😂 Good luck choosing Adam👍
😆 funny enough I had a c90 chopper. Look at my older videos
Great choice. I just bought the 411 scrambler, and the bike is plenty for my riding now. I am coming off a Moto Guzzi Griso. I do not need 150 HP, 24 HP is plenty
I've been happy with 24hp for a while, in fact I'm getting a 2nd bike with 9hp 😆
Nice Adam!! Glad you are able to choose what you want, not just what you can squeak by with!
I say you should get a Triumph Street Triple RS and name it Scrambler!
That way you have something fast and nimble and can still be a Scrambler! 😂
I like your logic
The best bike, is the one you have. I totally understand about debit and credit. Just keep up the good work. Remember it's best to have a plan, than no plan at all.
Thanks. It won't be long until I'm debt free, then I'll be irresponsible & buy another motorcycle l😆
I am 68, riding since I was 17 up to now.
Traditionally, everything motorcycle has been expensive in our country, as everything mobile has to be imported. Government taxes are very high. Too, the general public DO NOT like motorcycles.
During the course of my marriage at age 24, there was never enough money to spend on a new motorcycle. The first child came two years after, house had to be built, and so the story goes.
At age 48 I bought a new BMW R1150RT which I imported from Germany costing me equiv. US$27,000. Compared to other motorcycles I owned, I had many regrets as the years rolled on. Never again !
Anyway today at age 68, I ride a 2-year old Yamaha Indian-made FZ25 bought new for equiv. US$ 4,382.
Though I do not want to live in my country without a motorcycle, in family life, there are more important things that come up that makes owning a bike very difficult.
In the US, riders' garages are full of bikes...........here it is a challenge to own one !
Nice video.
Keep coming !
Trinidad & Tobago.
West Indies.
I'm glad you told me your location at the end because I was wondering. That's a lot of money to spend on a motorcycle.
Excellent video, The borrower is slave to the leader. I made sure I cleared my mortgage before I brought my next bike. Which was the RE interceptor, love it. That's why my last bike, a GSXR 600 I had for 20yrs. 😁
Thanks. We have decided to buy a flat when my wife gets inheritance. We will rent it out to our daughter when she's older and eventually live in it ourselves when the other child gets his own place.
There is no point in getting a big mortgage at our stage in life because we will want to downsize soon enough.
@@EpicAdamMotovlogs good lad your doing great 👍
Reliable cheap economic to ride ;built for common man ❤
Yep, I agree. It ticks a lot of boxes
I remember when I crossed the financial debt summit and owed no one anything. It's funny how I then seemed to spend less as I had more money. And those small savings grew larger and larger until I could be the bank when I needed to buy another scooter or motorcycle. Pay a "oner" as you say. There's a very relaxed state of mind when I didn't have to worry about money so much and became more mature in how I handled it. Sounds as if you're going along a similar path. Congratulations on that journey.
As far as my 2022 Himalayan goes, I won't be trading it for a 450. Watching Itchy Boots ride one now in the Himalayas it seems to possess more power which I don't need and an unwanted LCD instrument gauge that seems strange as well. At least it doesn't have the unbridled power of some of the other popular adventure bikes where you are constantly fighting the rear wheel spinning out. She says the new Himalayan is still laid back in that regard.
Still, it doesn't do anything I need so I'll stick to what I have. And I'll hold onto the cash for the day my Vespa GTS explodes!
I’m with you on that instrument gauge/cluster..looks totally out of place doesn’t it 🤷♂️
@@MarkOneMoto yeah, but I suppose I should wait until I see it in person before condemning it. I know well how easy it is to be deceived with videos.
I'm interested in the 450. I'm looking forward to riding one in person one day
Well done Adam. I've been in a similar situation: financially embarrassed as I like to call it. Life can be unfair at times, but for me, I had to take responsibility for my own predicament. I'm heading towards 60, and although I've never had significant debt, I've only felt comfortable over the past couple of years. I enjoyed watching this vlog and will take a look at your other posts, along with the green lane gurus that you mentioned 😉
Thanks. My debt will soon be below £1000. I can't wait. I made a disastrous green lane video that you might enjoy
@@EpicAdamMotovlogs I'll take a look and subscribe 😉
@@iainrutherford184 thanks
WHOA there, young man! I didn't say I'm going to get rid of my Himalayan... yet!
You're considering it though 🤔
@@EpicAdamMotovlogs yeah, if I don't get use out of it and it makes sense.
Can you provide a link to that extension bar thingy by your screen please?
No sorry. It came with the bike but this might help How to turn a Royal Enfield Himalayan into a round-the-world ... www.itchyboots.com/blog/bikers-guide/royal-enfield-himalayan-around-the-world
@@EpicAdamMotovlogs thanks
Ooh! I wonder what you're going to get that is more appropriate for the lanes you love? Good luck with your choice Adam 👍
I don't even know. I change my mind every 5 minutes
😁@@EpicAdamMotovlogs
@@EpicAdamMotovlogsHaha, new motorbike license owner here - I feel you, its a hard choice 😂... on the other hand, I have no money... A Himalayan should be okay for the start, right?... 😂 I will just think about the potential to go around the world with it, and forget about the 'I have no money' part, ez.
@@user-uf4yi3xq9y the himalayan is a great bike to start on and is capable of taking you around the world
The Himalayan was on my list of bikes when I was ready for an upgrade. But unless you live in a rural area, which I don't, the Himalayan is not practical for fast paced city/suburb riding in the U.S. So I went with the KTM 390 adventure which was still affordable, but with enough power for our highways. Good video.
Thanks. I think you made the right choice. The Himalayan does lack power
Go for himmy 450 they gonna lounge next month
@@hareeshkumarvasu6567 maybe in the future but not straight away
I had a good look at the 380 adventure. But I think a preferred the cb500x. Now it has the twin disk and usd forks. It's lower too.
My most memorable MC experiences were spent exploring my provence on an 80cc Suzuki.. I'd often draft semis doing 60 on the flats and 65 down hills. I didn't know it couldn't be done, so I did it. Fast fwd almost 60 yrs.. less is still more. My Goldwing of choice is a Himmi. 😁
Up North!?!?!?! The cheek of it! 😀 I'm a Southerner! 😀
Everything is up north for me
@@EpicAdamMotovlogs Ha, I think you are actually further north than me! 😀
@@HippoDrones I have had a craving for a bowl of gravy lately
Yeah debt is still scary IMO & seen a few folk fold with too much on their shoulders! ☹️
Hat off to Mrs Epic mate, finally paying her way, although she'll still grudge it I bet! 🤬🤣👍
I love that you mention all the bikes you've missed out on over them years, but the majority will be less costly now & an endless stream of awesome used bikes on the market! 😬👍
The Ducati scrambler is one awesome bike that came out in 2015 and is now about £5k 😉 you can also pick up some nice triumphs.
@@EpicAdamMotovlogs I've not riden one, but had a seat on a blue one in a dealers last year & fitted my short ass! 🤣👍
I also sat on a few tasty Triumphs last week infact, but I'm just looking!!! 🤣👍
I bought a car for £10,475 but I borrowed the money from my dad. And Bought a new bike on pcp. When the 3 years were up I'd already saved up the payment and paid the car off by then. It wasn't any cheaper without the pcp
The best bike to ride is the one you've got, I'm in the exact same situation. But riding for me is therapeutic so I'm keeping the himi until I can save for my next bike.
I bought my debt free forward to September now. Its a great feeling. I'm keeping the himalayan for a while longer because I do love it and its great in the winter. Thanks for watching
@@EpicAdamMotovlogs being debt free is it's own definition of wealth. You're on the right path mate, ride your own ride and go your own way in life. Happy new year from Australia. All the best.
Hippo-Drones lives up north, good one hahah!
It's great conquering debt, glad I've only got a mortgage to pay, otherwise there is no way I'd have bought another bike.
I thought everyone was up North from Devon, apart from the Cornish goblins
Have you done the toll roads in North Devon?
I have done a couple. Why do you ask?
The Himalayan comes into it's own off road. That's what's needed. Try it and see what you think, even a muddy lane to start with, it's not about speed, just seeing nice new places👍🚀
Yep, look on it as rambling on a bike, seeing bits of the countryside that most will never see...
You're not wrong
It's was never built for road adventures.... It was purpose built for it to function in Leh Ladakh/kashmir of India where we have highest motorable roads like Uming LA.... Look it up....
Honda, Yamaha bikes performance in these heights goes down at 19k ft.. But RE tests these bikes on those peeks and it's engineered to perform same in those peeks....
Again, Many doesn't know about this... All RE bikes are tested there...
Himalayan was first of it's kind to India because during it's launch, India didn't have adv bikes which is different now as all brands have many adv offers...
Fun fact: himalayan was trial and error bike for RE because they didn't have budget to invest in R&d of chassis...
So in its initial days, many chassis broke during offroading himalayan in this Leh Ladakh region.... Well the current himalayan 411 is stable enough, upcoming himalayan 450 is true fully built offroader for RE which also take RE to Dakar rally as they purpose built it for it..
Yooo! New Himalayan 450 is out now. It's a completely new bike you cab say in each term, definitely check out.
It looks awesome. I might get it in the future
see this is where a lot of people go wrong , they think it can't go wrong with what i am earning now , don't get me wrong i am happy for you that things go well , but just be carefull mate always put some money beside for the unexpected .
I know what you mean. My landlord put my rent up by £100 the day I posted this video. I never spend more than what I make
"I want some type of scrambler" .....the Himalayan is some type of scrambler!!
You got me there. I mean something like the Triumph or Ducati scrambler
You should do that lane you did with Marc again as a send off for the Himmy. Hopefully he doesn't sail of into the sunset with a farmer again 🤣
😆 hopefully not
Congrats seeing it though!!!!! Take my advice with a pinch,but I would hold on to the Himmy for a while yet,get yourself in credit... Then purchase a bike (maybe a Voge300) with that credit ,,stay away from PCPs ,HP, or even new bikes.. Go the used route,its also the cheap route.... you will get much more satisfaction running a bike you own ,rather then the bike owning you...
That's good advice. I was thinking something similar earlier, especially when I saw how cheap triumph street triples are second hand now. I can easily save for one of those.
Bike are just a fucking machine for someone. Someone has a best partner for life.
They are more than machines for me. I still miss a Suzuki Bandit I used to have. The Himalayan has character & I do like it
I was interested in the 2024 model until I find it comes with a non adjustable rear shock other than that major fault the rest of the bike is outstanding for the money.
It does come down to value for money. You can get much better bikes but have to pay out more
I will stay , no matter what you ride Mate. 😎 Pleased you are doing well now mate
Cheers. Im keeping the himmy for the winter and for some off roading but will get something faster for the summer.
Managed to get debt free 5 years ago. Had debt for like 30 years and it was a great feeli ng when they where gone.
Never again will i get in debt.
30 years is a long time. I have 12 months left now. Can't wait
Probably not what you're looking for but my friend is selling his Honda St 1300 European Pan on Facebook market place and it is in lovely condition, fully loaded too, M
Maybe as a 2nd bike that's still 18 months off. Thanks anyway
so many lanes in Devon, so many - i cant believe you don't do it, then again if it isn't for you then it isn't for you but you really should try it
I just published another video that explains this. Thanks for watching
Liked and subscribed! Great video!
I still have my Himmy, but bought a Svartpilen 401 as well for the type of riding you mention you enjoy. I recommend you check it out.
Thanks. I like the Svartpilen, I was tempted to get one for myself but I think I know what I want now. I took the himalayan off road yesterday
Does it even count as dept if its on a PCP. If half the bike is paid you can just give the bike back. Or just wait for the 3 years to end. Its not long really. After all we will own nothing and be happy.
I'm going to chuck money at my bike soon. Pay it off quickly so the interest is less. Then save for a summer bike
Been there buddy, morgaged, lenders chasing me for payments on the car, no money for food, 2 jobs and kids and bills. All paid up now, no debts, earing money. Big land, big house, 2 cars and 3 bikes. Sold the BMW RT and Himi coz my wife was moaning about space in our carpark. Kept the Classic 500, and bought the Honda 1100NT (DCT) when she wasnt looking 😂. Still miss the Himi though coz it was so.much fun and provided me with 'my time'! The NT is fkr touring with my wife. Yes, clearing the debts is very liberating. Regarding Klaus Swabb, hell take my my haed earned possions over my dead body!
Nice one. The classic 500 is a very cool little bike. Im wondering if I'll miss my Himalayan. I'm going to ride some green lanes this winter so might enjoy it more
I got mine 2 months and sold it. Not for me, too cheap bike full of strange noises. I just bought a T7 😍
Good choice! I would have done the same if I had the money
The rich men north of north Devon 😎🎼
The rich men of North Devon are from London & are in their North Devon holiday homes
til youve spent 3 to 6 months on a motorcycle in the Philippines you simply have Not lived yet. I have a KawasakiRouser 200cc and a Honda Beat full automatic 110cc scooter and am learning how to maneuver like a Filipino and even though you are living on the edge in this traffic you will be a much better rider by the end of your trip. Make sure you save up at least $1,500 to $3,000 for each month you are here and youll be fine. you can rent motorcycles from most major cities or buy from a dealer for under $1,000 for lets say a Pinoy 125 and simply gift it to anyone you like for when you get here, believe me you will be remenbered forever. So for you my friend bring your wife or a close friend and remember to not drink the ice or tap water. Most people in the Philippines are pretty awesome and most speak or at least understand english if you slow down your sentences.
I have a couple friends who have ridden motorcycles around the world. They are very interesting people. I like the idea of travel
i don't personally like the himo , but it seems just fine for what you are doing there , fast and nimble means taking more chances ;;; your family might not like that ;;
I know what you mean but sometimes it's nice to have that power
There is a new, more powerful Himalayan in the offing. "Itchy Boots" is currently test riding a prototype across the Himala on you tube....
I know. I love itchy boots channel.
I would suggest having a proper stab at off roading, but I think a day out with Ken on the green lanes would only reinforce your decision 🤣
Amen, I'm in
I'm in 👍
Oi Saddlebags!! 😳 If Adam wants to have a go I'll take him out using my Africa Twin...... That thing tames my ambition (and ability) a bit! 😁🤣🤣
I find the same with all the bikes I ride Ken😅
@@kenbrooks7794 🤣 I wish you’d use it more often. Gives us mere mortals a chance 😬
No escupas había arriba!! Quizás la 452 sea mucho mejor!!
The 452 is great but the 411 is enough for most people
Why don't you green lane though?
I want to. Just never had the opportunity. They can get a bit extreme here so I should go with someone who's experienced
I just pop out on to the easy ones we've got here. Usually involves getting up early on the weekend to get out though, which can be tiring :)
@@EpicAdamMotovlogs
Pleased you’re in a better place mate, lend’us £50 will ya?! 😂…on a serious not, I foresee a Triumph for some reason 😀👍
Maybe a Triumph, maybe not
Bike colour name??????? 😊
Grey sleet
So, let me get this right: you overdid it financially and now you can finally see the light at the end of the tunnel 12-18 months away. So that will be a green light for spending more then huh? Mate, keep what you have and then open a savings account.
No you didn't get it right. Better luck next time.
I have my Himalayan as a deposit for the next bike, so I'll only have to put in a little bit more to get something I wanted 10 years ago, which has gone down in value. I can do both.
450 with water cooling. Green laning dropping bike mmmm not good for water cooled bikes imo
I think the 450 is more of an on road bike. Still doesn't interest me much though
Grand motorcycle content? What's that?🤣
You certainly have been shown up for not green-laning the Himalayan 😉🤣
Glad to hear your wife is an adult learner, got worried for a sec there😉🤣
Debt is not an easy thing to recover from so well done for your hard work to get down to the final 12 months😊
A scrambler you say, maybe one made by a historic British company👀
Here's to the future bro
Or Italian
Now in India the re himalayan 450 will be challenged by the the upcoming xpulse 400......other than ktms and bwm and bajaj
I haven't heard of the xpulse. I'll check it out
@@EpicAdamMotovlogs yeah there are some domestic bikes that are bajaj dominor 400 ,and hero xpulse 200 ,both are very good adv ....the xpulse 200 is more of an enduro than an adv....the hero xpulse 400 is in testing...which will be a proper Adv
Already you were brought na so😂?
Why you buy again?
😆 the original title was going to be 'why I'll never buy the himalayan 450' but I realised I already used the title
New Himalayas 451cc looking lots better.
I agree that speca look better. Still lots of great bikes around. I decided to keep the himalayan for a while longer and get a 2nd bike that I can get more of a thrill from.
Does this mean that you'll be buying the chips in 12 months time?! 😂😂
Only a small portion. No ketchup
@@EpicAdamMotovlogs 😆😆
I will never buy one again either albeit for slightly different reasons... picked it up , on my trailer, rode it 2 miles came home and pushed it in the shed , its not moved since and that was 2 months ago ... absolutely crap gutless thing , ,wouldn't pull the skin off a rice pudding !!! Rubbish .
I can see why you think that but it's not that bad. I have decided to keep mine for the winter but get something with more poke for the summer
Wow you’re gonna get it paid of and we will be in a totally dffrnt monetary system where you’ll own nothing n be happy ,oh well ,
Thanks
Each go his own.
Pay off all debt and cut up your CCs! Cash is freedom, credit is slavery. If it isn't paid for, you don't own it. MCs are all about being freee!
I cut them up ages ago. I agree with what you're saying. Thanks for watching
Britain is not the country for dirt roads there’s a few but not many so May be the Himalayan not the right bike for the UK
The Himalayan is fantastic on country roads & Britain has plenty of those. It's too heavy & underpowered to be great off road.
Being rich does not mean you are wealthy. If you were wealthy, this video is a moot point. Save your money and become wealthy.
I'm not wealthy in the money sense. I value time, friends & family more than anything
I don’t feel sorry for you cuz you got that there UA-cam money
£7 from this video alone 🤑
Need watch itchy boots Ok all I say
I have been watching itchy boots for years.
You have a nice bike now you need to use it. Go to the Stella alpine in Italian on it next July and ride from home to the top of the world. Too many people have great show pony's in the garage and just talk sh×t . The low powered Enfield is a great bike for all round use. If you buy a gs1250 I've seen people have a £5500 bill to change gearbox bearings ect.
Oh I've used it 😆 check out my 2 latest videos