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Are you risking everything to make the purchase? Do you have solid commitments for work this season? Can you see a way to increase your net income because you own a skidsteer? Are you confident you can make the payments even when the economy slows down? (From what I hear this housing crisis thing wont really work itself out until 2009). Will it create it's own market? In other words when your customers find out you own it will they reccomend you and your skid steer to friends? I always try to think like a businessman in these situations. It is hard not to listen to that kid inside that insists on having a new toy.