Equipment is never paid for. Even after the monthly intallments end your are still paying for equipment. Why? Because after the installments end the equipment usually has significant life and value left. As you continue to use it it declines further in value. Therefore you are still paying for the equipment. man hour by man hour. So you better always charge the same amount per hour the whole time you use your equipment. FREE FRIDAYS FOLLY! Lets say you think you've recovered your equipment expenses Mon-Thu, but use them on Fri. Lets say your doing this with your used to be $30,000 now $20,000 dollar truck. Well after doing this for 4 years you've really used it for 5 years in a 4 year period and only recovered 80% of the $15,000 in equity loss, (your depreciated it fully in the first 5 yr). You've recovered $12,000 but burned up $15,000 and your 3 grand short. The 5 grand it's worth and the 3 grand you should have had would be a nice downpayment for the new one you can't afford.