Hi thank you for all your replies so far.
I have not checked all the listed yachts so bear with me.
I had looked at the manitous but they are dreadfully small for a 32 and the aft cabin
arrangement is normally seperated and small. Other then the fact these yachts are center cockpit
(to which I am not a fan) and there being on the small side I do like all the aspects of them.
I am not opposed to wood yachts but they seem to demand high dollars here when they are good ones the cheaper ones are usually riddled with issues. Having said that I would prefer a epoxy/wood (West) or other. if I were to go with wood.
As far as our budget goes well , as I said we are simple folk. My wife likes to stay with our daughter and I support here so she does not work. I too value family
time high so work Permanent Parttime. I work steady and we live well, we have no debts are able to save every month and are happy. We basically do not indulge in any frills nor miss them, so there is really nothing we could cut from our budget.
Although we could afford to buy a small house and pay the mortgage with what we save every month the banks will only lend us under 100K (payments back are a fraction of what we save everymonth let alone a 3rd of what we have to pay for rent) They say they have to take a certain amount of expenses off the top whether we spend that much day to day or not.
We tried for a year to get financing
for a yacht but run into the same problem. Since we dont conform to the normal conduct of societies spending and earings we are stuffed as far as a loan goes. So alas we have determined we will have to pay cash.
We have carefully considered all aspects of this and to be sure we have been working towards this dream for several years.
My wife got her Canadian citizenship the we moved to Australia
where I bacame a citizen as well (both times this meant only one of us could work for 2 year periods each) We both had massive debt when we met and have cleared all our debts off and for the last year have been debt free and saving steady) once we moved to Australia 4 years ago I bought a dingy to learn on and then moved up to a 19 foot yacht the next year, which I now have working great is not depreciating and Im sure I can get my money out of her in a few years time if I have to. (It helped I got her for a good price
and can do all maintenance
I continue to sail regularly and now have many Yachtie friends and often Race
on thier yachts too. I constantly read yacht books
and have probably been through 30 books
several times learning
and then practicing and putting the knowledge to use. I also got work at at an anchorage/Marina resort and do all formas of maintenance
Having carefully considered our situation and what we want out of life, we fell we need to keep the initial purchase price
of a yacht to within reason and would like to keep yacht budget to under 50K AUD including repairs and issues that need tending to. Less then this would be even better.
If we do decide to buy in the Americas then we would budget to the point of making arrival in NZ once there we are able to work and when we got to Australia All import
costs we could charge if we had to and pay it off later.
I feel if we wait too long then life will just be passing us by. We would be perfectly happy if we only had parrifin lighting
and the only electronics
were safety related (a chartplotter
would not go atray either but just a basic set up)
We realize we have to make sacrifices to get going sooner than later. We are moving to a cheaper apartment and starting to sell off everything we dont need on our yacht. Sales start next weekend.
At the moment we are looking for the right yacht now and hope we can find the right deal within the next year or 2.......