My dealer told me that since my Bernina 730 is less than a year old, she will give me full retail value to upgrade to the 830. If I upgrade and also get the new Bernina quilt frame (which I ordered last weekend), I get 36 month free financing and my monthly payment would be less than $200. Am I crazy not to do this? If it weren't for the economy, I'd do it in a heartbeat, but my husband may lose his job in the next few months. I do have enough saved that I could pay off Bernina though. Help, my time is running out to make this decision. Thanks for your input!