We are fortunate in that our health insurance is a benefit of my corporate job. We are with Cigna and all three of us have full coverage including dental and vision. Our deductible has become increasingly higher since 2012 and we are now at a Silver plan which gives us a $5000 deductible each. Our prescription plan is less than stellar and we maintain our insurance primarily for our daughter and for unforseen medical circumstances. While on the road though we typically see an Urgent Care physician which costs $35/visit. We currently pay $430/month for health insurance.
5. I would’ve understood that low mileage doesn’t necessarily mean an RV is in good shape – RVs need to be driven. The longer they sit the more things dry up and crack. If I had to do it over again, I’d ask if it was stored inside or outside, how much it was driven and how often routine maintenance was done. If the owner doesn’t know this and doesn’t have records, I’d either take it to a mechanic before purchasing or keep looking.
Sure, it means you may have to wait a little while ‘till you can afford it, but it’ll be worth it. We all want to be on the road ASAP, and there’s a certain excitement to throwing caution to the wind and going for it, but we always recommend being financially prepared first. There’s no need to add financial stress to your RV experience. Buy what you can afford, or save ‘till you can afford what you want.
Love reading this! We do not live in an RV but we do live in an 800 sq ft 1969 Model mobile home at this time. It’s hard for a family of 6 space wise but we have made it work for the last almost 4 years. We will however be moving next week into a 2700 sq ft home that is definitely a fixer upper so the price we got it for is just amazing. Good things come to those who wait! Good Luck to you in your Journey!
Some like the national parks offer you not only all the hook ups which include water/sewer/ele/free fills for your propane, but also pay you for every hour you work, and the national parks like workampers to ‘work’. Not hard or back breaking but they like you to work 4 or 5 days a week. It’s fun though. You can learn to be an interpreter and give trail walks with the public and explain the park and it’s historical significance, or if they have horses and you have experience with them they may put you in the equine area and you groom or saddle up horses or even end up leading or trailing the horse ride.
Hey Bill, keep working on the wife! As for your questions, please remember we are travelers, not banking or financial experts and definitely don’t feel comfortable advising anyone on the subject. So, what works for us, may not be best for you. We have a permanent address in Texas (our home state) and have a CPA that handles our taxes. There very well could be some deductions for you, but you will need to talk to a CPA to find out.
This year we also abandoned book science and took a hands on approach by taking advantage of our travels to national parks and museums. The boys earned over 50 Junior Ranger badges that year. It was also an amazing year for history as we read books like Johnny Tremain, The Witch of Blackbird Pond, and Moccasin Trail and then visited the places in the stories.
Luckily, Birgit & Greg, whose site we're using, were nice enough to let us tap into their super-size external propane tank (we'll be paying for the propane we use, of course). So propane shouldn't be a problem, but we'll still want to keep our usage to a minimum, since it's expensive, and propane use can cause excess moisture to build up in the rig.
Our second year of roadschooling was similar to our first year as we continued to explore the United States with the exception of Thing 1’s work. His work was more challenging than the previous year and we began to do some testing. I did not do standardized testing but subject testing so he would learn test taking skills should he need them later down the road.
Note that the cheaper you go, the more likely you’ll need to put work into it. You’ll want to get the Bentley Guide to Vanagons which will give you a good amount of the info you need to work on it yourself. It will break down, eventually, and maybe often, depending on how well cared for it was in the past and how well you continue to care for it. Our 78 Bus requires near daily attention, though certainly other people get better rigs and don’t have quite so much work on their hands.
Some of my neighbors go all out with the skirting by building complete frames out of 1x1s and attaching the foam board with plastic pop rivets. Others only make a frame to attach the bottom of foam. Personally, I find the board when taped together with aluminum duct tape is sufficient. Because the insulation will have gaps at the bottom due to the uneveness of the ground, I use expanding foam from a can to complete the seal. The foam also helps to stabilize the board against the wind and snow.
Stainless Steel Wine Glasses – When we hit the road in our RV, we brought along our wine glasses. It didn’t take long until they all broke and we were drinking wine out of mugs. We put these stainless steel glasses on our wish list but ended up just drinking from mugs because we are classy like that. These are the only things on the list that we don’t own but wish we did. (Ahem) We think these would make a great gift for RVers even part-time ones. 😉
You got it, those should be included in everyone’s budget, but there are a ton of variables. Some people go for a trailer or van they pick up for $1000 while others could go for a brand new motorhome at $300K. No matter what our expenses are, yours will be different. We decided to share our general monthly expenses to help others. If you think its gibberish (poo on you), fine but there are plenty of others who appreciate the information.
Not being “full-timers” ourselves, but are in a category called “extended stay travelers” (one to three month trips). Being rather young to retire last year in our early 50’s, health insurance is the big monkey on our back. Yes, we do have insurance thru my union, but since O-Care ( Obama ) monthly rated have gone up 250% in the last 5-6 years, and coverage gone in the toilet. I guess it is what it is.
I remember a year or so ago Thing 1 and I were talking. He was having a hard time wanting both the adventure of RV life and the stability of being stationary. He missed our life in California but at the same time enjoyed our life of travel. It was a conversation we had often as we gauged the boys’ needs to make sure full time RVing was still working for everyone. During this one particular conversation his big brown eyes were contemplative and he asked,
The full-time RV lifestyle is absolutely fantastic, and we’ve been loving our nomadic life since 2007. Many people who are new to the idea of RVing full-time wonder how full-timers get their mail or file their taxes or what kind of insurance they buy. What the heck do they use as a home address (known in legalese as a “domicile”) and where do they register to vote? And how do they save money on RV park and campground costs?
We budget $6k per month and usually have a hard time sticking to it. I guess you would have to put us into that ‘upper’ bracket. We track every penny (we use YNAB as our budgeting tool-Google it), but still don’t deny ourselves anything we really need or want. We moved into the rig in July 07 with a nice portfolio and then suffered through the 07-08 market collapse. We dropped about 38%. We slowed our spending down a bit, workcamped for a season (Crazy Horse Monument in the Black Hills) and within a couple of years our portfolio had returned to pre-recession levels. In fact, our portfolio today is actually just a bit larger than the day I retired. And what’s our secret? Low cost passive index funds from Vanguard.
Whether you’re camping down South where the sun always shines or places where it’s cold, the AC and the insulated underbelly plus furnace should keep your RV running at a comfortable temperature. If you’re thinking of doing a little tailgating along when on the move, there are exterior speakers, outdoor kitchen support with refrigerator and cooktop range, a wide awning and even an option for an outdoor grill. All in all, while the Jayco North point serves more purposes than one, it’s definitely a solid choice if you’re looking at fifth wheels for full-time living.
New or Used – Our first two trailers were used and they held up great. Normally, we buy everything used so it was a big deal for us to buy a new trailer when we bought the Gateway. We had looked at probably over a hundred floorpans and it was the only one we loved everything about and it was new that year. Of course. We decided it was worth it to purchase the Gateway even though we rarely purchase new. We are facing the same problem again, a few of the floor plans we love are new this year. Obviously, we would prefer to keep cost down and purchase used. However, we don’t regret our purchasing the Gateway new at all. Surprisingly, it held its value very well and we sold it quickly. Since we had such a great experience with a new rig (the warranty is nice) we are considering new.
We’re enjoying the “Tutoring” you are providing. We bought our first MH in 1996 and Boondocked almost everywhere we camped due to our hobby. Through the years sorta got out of the habit and we really miss it a lot! We’re pulling the trigger and will be fulltime by January with the stix and brix for sale. Four years in the planning and looking forward to this. Thanks again for your insight in this much needed lifestyle(us). 336Muffin
I really enjoy reading your website and watching your YouTube videos, I find your vidoes and website extremely helpful. My only child is now 19 and on the road to self-sufficiency via college. As a soon-to-be empty nester, I plan to keep a small townhouse for my young adult child to live in but I am going to travel part-time in a RV. I have the ability to work mobile in my employment and I am only 42 years young.
2017 Update – YES. The more time we spend on the road the less we find we need. We end up donating half our clothes to charity almost every year and our outdoor stuff has been cut down to a select set of “glamping” basics. Plus we FINALLY got rid of our big storage unit (whoo hooo!). Paying $$$ for storage all those years was one of our biggest regrets and something we (in retrospect) would not recommend if you can avoid it. It took 7 years for us to tackle ours, but we finally got it done! You can read about my take on storage HERE and how we got rid of ours HERE, HERE and HERE.
I loved your article!!! We own a 74 Winnebago Brave and live in it during the summer. We were always wondering if it would even be possible living in it during the cold Canadian Winters. I guess it is!!! I especially love the part about your GF. I feel sometimes it is hard living in an RV fulltime too because of society’s view about how women should look. Sometimes I couldn’t even tell my employers where I was living or I wouldn’t get hired. Thank you for your article. 🙂
Neil, some of us who hope to full time RV aren’t rich. My motorhome (really high school boys basketball buddy but does have a MH) friend likes to camp at a spot that is $47 per night with full hook ups. He has no solar, but likes to provide AC during the summer for his dog. Meanwhile I could camp nearby that same campground at a dry camping spot for $14/night with potable water access, dump station, and even includes two showers per day so the gray tank wouldn’t be filling up so fast. Yes, I plan on having solar power. That is a difference of $1,000/month right there if both of us were full timers already. How much is the MiFi as we currently pay less than $160 for DirecTV and the cell phone plan? Our food budget is considerably less than yours as well, but we do currently stock up on food when it is on sell (20+ – 33% off) to fill up the deep freezer (one thing that I will miss if we full time RV) and pantry. So as Nina says there is a lot of flexibility in how people want to spend their money. There is no such thing as one correct way to RV. There are very many different styles so everyone can choose which one fits their own personal style. Personally I intend to live off less than half the income for the first two years and then splurge in year three in Alaska provided that we full time RV. I don’t want to touch the wife’s 403B plan until legally required to do so. This way I have compound interest working for me rather against me. We are using Cash Is King method for finances and have zero credit cards currently (we use the debit card). One other point at our bank we have zero fees on the checking and saving accounts. I use gasbuddy.com for gas prices and have a spreadsheet to help me determine whether or not it pays to go to the far gas stations for the cheaper prices.
Wow! Bold, informative, funny, truthful, your on to something. All your information from the Cats to your cell phone service. I feel very blessed to have watched HGTV that day. You are living our dream and at such a young age. Your showing a very young generation that you don’t have to wait till retirement to see the world. Oh I am not old by the way or retired but admire your budgeting skills and dedication to balance life experience vrs $$$.. You guys are getting it right. Ok so medical expenses. What people don’t know is when you pay cash for your medical care you can negotiate with the doctor because they save by not having to bill your insurance and all the clerical and bookkeeping costs. So lets say the cost of a physical is $500.00, well I think we all know that is crazy, but that is what they bill the insurance co. but if you tell them you are paying cash, ask for a discount. Good doctors that care about patient care are happy to do it. My parents do it all the time. Dentist, Eye Doctor.. You can monitor and care for your health with out medical insurance. Sorry so long.
In the event that there is a partial loss, like theft of just a few items, there are caps on what is covered. With National General, if the theft occurs inside your RV, then the cap is 25% of the total value of all the Personal Effects coverage that you carry. For example, if you have a $20,000 Personal Effects policy, then this means there is a cap of $5,000 per claim. If the theft occurs outside the RV but on your campsite, then the coverage is 10% of the total value of all the Personal Effects coverage that you carry. Again, for $20,000 total coverage, this means a cap of $2,000 per claim. There is no coverage if the theft occurs away from the RV (i.e, your bike is stolen from the bike rack at the coffee shop in town).
Most RV fridges are tiny and hold ¼ of what a standard size fridge holds, so planning is a must before making the trek into town to the grocery store. You have to know exactly what you will be cooking and how much space you have. Throwing “extras” into the cart can’t happen. That’s why I don’t take Brett with me shopping. He is the worst about buying off the list!
My husband and I are considering fulltime rving. I have been reading different blogs and how to start and all. I am wondering on jobs. Unfortunatly we are not independently wealth and still have not won the lottery. Our thought is to travel to area work for month or two and then move on. Do you have any suggestions on jobs or really good website for that info. We are at a point in out lives we just want to go and see the world why wait until its to late. We are young and ready to go just have to take that leap.
Chip took Penni to a used RV lot just to “check it out” in 2015, but they ended up buying a 395-square foot camper they call “Daisy.” They say they love this lifestyle now and have no plans to return to a typical home. Penni is selling her condo in Montpelier because they don’t think they’ll need it anymore. They track how many states they have been to on a map on the side of their RV. The current tally is 25.