I can't afford a boat payment or marina storage, bought a small boat I can keep in the driveaway, older boat but fully re-rigged
light weight and bow up, (cheap on gas) paid cash, after selling my pride and joy car. The best stress release out there to be on the water.
Wife isn't passionate about it, so we will never borrow money for a boat payment.
I have to make sacrafices to fund a passion, like many of you, try to take my lunch to work most every day.
sold things i owned and wasn't passionate about.
Best thing my wife and I have done is to set a budget and a spread sheet to track all expenditures, we allow $100 spending a month to go out and eat etc.
We have three checking accounts, our combinded account for all living expenses (the account with the spreadsheet) and we each have our own account to use as we want with out explaining what we spend to each other.