Jeff: OK maybe you have made some mistakes
but you are being way to hard on your self...There is no such thing as a FREE boat..
they all cost money and sometimes gobs of it to put right.
There is a guy on this fourm here and a friend of mine whom stole his 38' boat for 20 bucks ( no that is not a misprint ) he is in the middle of a compleat rebuild
as we speak but he has sailed the piss out of the boat for the last year up until he decide to do it..He is very industrious and dosent pay anybody to do what he can do himself so he will still come out on top when he's finished...but
if he chose to... could get upside down in a heartbeat if he gave up and hired others to do the work he is totaly capable of doing himself.
Now...You are also comparing apples to oranges when you start to add in things like your "Toy" as you put it ..That has nothing to do with maintenance
of your boat but is an upgrade...somthing you would have had to pay more for initially then your 3500.00 purchase price
for the boat if it was already on it...not retail like you did probably but still the owner is not going to give it away..he would be beter off yanking it off the boat if he had to.
I have a little different theory then maybe most on boats...and that is... most people see what a boat can be once they own it shortly after the purchase
in that direction... not what the boat is and leave it alone...If you just left the boat alone and sailed it as purchased you will probably get every dime you paid for it back out of it when your through with it... and you more then likely will have had a blast the whole time with it as well...even if it left you stranded a few times...but we are a soulful lot us humans... and we want our beloved ship to come back to life so to speak..it is only then that you start to thorugh good money after bad usually unless you are a very lucky purchaser like my friend I talked about above.
So back out any "toys" you have bought for her and it dosent look so bad then usually.
FWIW....Boats arnt called a "Hole in the water" for nothing..
...but its some of the best money you ever spent since.... well ...................I wont go there..
PS: By the way...I hope your starting to get motivated again ...you have a great boat..