Once you have decided on the recreational vehicle you want, there comes a decision that is just as important:

What's the most efficient way to pay for it?

Options that immediately come to mind include:

• using your cash reserves
• using retirement savings
• getting a conventional bank loan
• using your personal line of credit

Enjoying your purchase has a lot to with how you pay for it. Fortunately, for most people there is a better solution than any mentioned above.