Buying a Kayak | BCCU

Bellwether Community Credit Union Go to main content

Buying a Kayak One Week at a Time

Posted in Main Blog
May 21, 2014 by Jenn R. Share on: Share on Facebook Share on Twitter

person kayaking on pond




My plan to save up and get back on the water.

I want to buy a kayak. I had a Perception Acadia a while back and used it every summer, but thought I should be using my money elsewhere, so I sold it. For the past 5 years I’ve missed that kayak and 2014 is the year I’m going to remedy that.

Research Your Goal

I’ve done my research and know the length and type I want. I also have a good idea of the price range ($300 and $500). I’ll consider a used kayak, and I know Fall is a better time to find a good deal, but I want my kayak now. REI provides a great guide on how to choose a kayak. Check their site out if you’re in the market and aren’t sure where to start.

There’s more to a kayak than the kayak

With new sports, there’s always a list of supplies you’ll need. They add to the cost, but also to the enjoyment.

  • Kayak
  • Paddle
  • Personal Floatation Device (PFD- you need one, and can even lose your boat if you’re caught without one on board)
  • Kayak rack
  • Tie downs
  • Water pump
  • Kayak cart
  • Paddling gloves (I have delicate hands)
  • Water boots (makes getting out in marshy areas a little less scary)
  • Rope bag (an inexpensive safety item to save someone’s life)
  • Dry Bag (to keep your things dry!)

Thankfully, I retained most of these items, but I still need a few, so budgeting is my next step. With everything included, I’ll probably need about $600. I could use my tax refund, or pay for all of this on a credit card, but those don’t seem like responsible ways to buy a toy. Saving is more sensible… giving up some fun things now for a lot of fun over the next few years. Following is my proposal:

Give up buying fast food lunch every day - $25/week
Give up dinner out once a week - $25/week
Buy generic at the grocery store - $10/week

My vacation is in 8 weeks, so with this I'll have $480! I can then reasonably charge $120 and pay it off before the grace period is up by just continuing my “cutbacks” for two more weeks. In this way, I’m not eating into savings, and I know the loss of these extras isn’t going to kill me. In the end, the kayak will provide me with something I can enjoy for years to come. Well worth a few months of frugality!


Return to "Blog"


Sort Order:
No comments have been posted yet.
Post Comment
First Name:
Last Name:
(Only last initial will display on comment)
Check this box if you do not want your name and location to be displayed
E-mail Address:
(Not displayed on Comment)

Notify me by email if this comment receives a response
Security Code:
What's this?
Go to main navigation