I really think it is cheaper to go to the park. Kids get bored of things very easily and I prefer them to get bored of something cheap vs. something expensive. Kids can get tired from a game of hop skotch, kick ball or flying a kite...they don't need the swing set.
Case in point, my brother bought a gigantic swing set for my niece. She played with it every day for a month. Then the novelty wore off and she stopped playing outside.And she lives in FL! Kids also outgrow the swingset after 8 or 10 yrs of age and only have about 4 good months out of the year when they can use it. The other months it collects dust...or breaks down. Not a good use of money, even if you can afford it. And I hope there aren't folks thinking of financing this either....that would be an even greater waste of money for something that loses value when you exit the store.
Go to the park and make it a special once a week treat. If you're dead set on a swing set, try craigslist or freecycle.org (but not during the spring /summer months when everyone wants a swing set). Some other person who overspent is dying to get rid of theirs.Even if gas was 7/a gallon it would still be cheaper than the headache of trying to figure out what to do with the thing when your kids no longer want to play with it.