Hello again! Enjoyed reading your helpful post and the comment about not having health insurance. That is one of the big items that the hubby and I are debating about right now as we prepare for full-timing next August! We are both pre-Medicare age by several years, and have no ongoing insurance provided by our current employers upon retirement. We are debating about having a “catastrophic” policy and dealing with general health care needs on a cash basis. Out of curiosity, how do you prepare yourselves for the potential of a catastrophic need – such as a big medical issue, or an accident? (heaven forbid either of these happen to either of you!) thanks for your insight!
Health insurance costs are totally individual, and the coverage for everyone is evolving. We do not have health insurance. Other younger full-time RVers have posted some terrific articles about health insurance and the impact on one’s choice of domicile state. Check out the excellent posts by Wheeling It and Interstellar Orchard. They both reference insurance agent Kyle Henson of RVer Health Insurance who is quickly becoming the go-to agent for all RVers’ health insurance needs.
I was enlightened by the Tiny House movement. After researching into buying a tiny house and furnishing it, the cost was more than my regular sized 2 bedroom home. I then started looking at used RV’s, mainly 5th wheel Trailers and travel trailers. I found a decent used 5th Wheel with good bones, and bought it when my house sold. Prior to that, I spent 9 months selling off everything I owned and thought I needed. Everyone thought I was nuts. The kids where grown, the husband passed away, and it was just me and the cat. The banker suggested, I replace AC unit with a Heat and Air unit, battery, fridge…anything that was too old. My investment was $3900 for a 1996 Dutchman Aristocrat 27 ft. Back then they made them solid with good wood not chip board. Heat and Air Unit $850, Fridge (electric only) $150. I did quite a bit of water line insulation, because these units were not meant to live in cold weather.
I’m a 57 widow, retired Air Force and have a great job that only requires me to be near an airport and have internet and cell phone access. Just traded in my 34′ Montana and 200 Ford F350 and Charger for a new Montana toy hauler, 2017 F350 and a 2018 Harley Road Glide. Selling my house and all but enough to furnish a small villa (when I tire of the Great Adventure) and I’m hitting the road this spring.
Fortunately, there are lots of RV parks that are designed with this conundrum in mind, offering activities for kids and adults alike. For example, the Jellystone Parks family of RV resorts has fun, themed activities and tons of amenities like swimming pools, water slides, and bounce houses, making it one of the best solutions to RV vacations for families.
Obviously these are not the same fixed costs for everyone. What kind of rig you buy, where you insure it, how much maintenance you do (incl. paid versus self-maintenance), whether you keep a storage unit and what kind of internet plan you get are all individual choice. But once you’ve made those decisions they’ll become fixed, recurring expenses that you should expect to pay each month.
Having a wood stove allows you to heat and cook without propane, oil, or electricity, which means you truly have an off-grid setup. A wood stove will keep you warm, the wood heat will dry the air out in the RV, which will help get rid of condensation from breathing and cooking. There are not many wood stoves out there that will work in an RV. I personally chose a Kimberly wood stove, because it only weighs 56 lbs and it’s extremely efficient. There are a few other companies out there (such as Marine wood stoves, which are a little cheaper, but you get what you pay for).
This figure is an average of all our truck and trailer maintenance costs from 2007 to 2014 rather than being just the expenses we incurred over our six months of summer travels in 2014. We did not use the trailer when we lived on our sailboat, although we did use our truck when our boat was in San Diego and Ensenada at the beginning and end of our cruise, and all that is factored into this average.
Just found your site. Wish we had found it sooner. Just sold our home to go fulltime rving. We have signed up with Dakota Post. Started to change addresses with credit cards and banks and they want a residential address. We could give sons in CA but then will have to pay taxes there and we had planned to domicile in SD. I was told this is part of ” The Patriot Act” Do you have any suggestions for us?
Seems like you have came to the same conclusions as we have for winter AK living! Only one disagreement: solar. Nice, love it, but we actually found our honda eu1000 generator to be more cost effective for the initial purchase and more reliable. I think that is why so many rvers go that route. I really want to try a wind turbine although! We both know how much wind we get.
When we wake up in the morning we have to stop and ask ourselves where are we? I think this is especially the case for our 2-year-old Knox. The other day he got up and said “Mommy where are we?”. Does it make us question if that is a good or bad thing – yes! But when we come out of our room and have a view like this we figure it is worth it for everyone!
I don’t know if a particular dollar amount works here, but the more you have on hand, the better. I think a couple needs to have a solid plan that will generate a steady monthly income while traveling and living in the RV. It would be wise to have money saved and set aside in the event of an injury or illness that could prevent you from working for a period of time. If I had to put a dollar figure on it, I would probably say a minimum of six months of income/expenses is a good place to start.
This category includes all the tools and supplies we use to keep the rig in good shape. Mark loves to try new products and has a growing collection of tools in his toolbox. Before we left, he made the mistake of selling almost all of his tools. If you are handy and can work on your rig, don’t make that mistake too! He tried to “make do” with the bare minimum of tools for the first year, which is why this category didn’t used to exist for us, but now he regularly buys little goodies that make his maintenance tasks easier.
Switching to an RV lifestyle can be daunting at first, especially with little ones to think about. If the process seems overwhelming, keep in mind that many families have happily lived the full-time RV life before you (check out the ouropenroad or bareneckers Instagram accounts, for example). By considering these seven things before becoming a full-time RV family, you’ll be well on your way to happy travels.
This future RVer and his 20-35 year old parents live and travel full-time in their 2014 Class A Motor home. They enjoy boondocking occasionally and find free spots about 1 week each month. Their stays are typically 2 weeks long before they are back on the road and somewhere new. This young family is always seeking outdoor adventure to share with their little one. They also love doing fun tourist activities in each place they visit.
This RV couple is in between 35 – 45 years old and also lives in a travel trailer. They both quit their jobs and are currently living on saved up money, which requires them to boondock as often as possible to cut costs. They aim to to find free spots to park at least half of the month. When they arrive in a new destination they like to stay anywhere from 2-4 weeks. They enjoy both outdoor activities and exploring cities.
I’m sorry it takes so much time and effort for you to feed your furnace. Have you looked at more efficient stoves? I’ve heard of two that take advantage of mass to store heat energy. They’re related and are supposedly quite efficient: Masony Heaters http://www.inspirationgreen.com/masonry-heaters.html and Rocket Mass Heaters http://www.richsoil.com/rocket-stove-mass-heater.jsp . I hope this helps!
Having more than a Hobbit-sized refrigerator: If Hobbits had fridges, I'm sure it would be similar to the one we have in our RV. It's more like a dorm fridge with a small freezer on the top. Oh, and RV refrigerators don't operate like the one you buy down at Sears. Oh, no. These babies work by what's known as gas absorption, which entails heating ammonia that magically cools the fridge. I won't go into the gory details, mostly because I'm not too versed in the wizardry behind it. Just know that it is usually too cold (your veggies are going to freeze) or too warm (your veggies are going to rot) and you may have to fiddle with the buttons to keep things right.
Had either my husband or I ever so much as driven an RV? Nope. Had we even really camped much? Nah. But as soon as we settled on the notion, things started to come together. We began to seriously move forward in March of 2017, and we sold our house in November that year. Our official launch date was January 5, 2018, and we’ve been on the road for six months now.
I have enjoyed reading your blog. Great ideas and information. My husband and I have just retired and sold our home! We will be heading out shortly…and are excited for the journey. The All stay app sounds like a key…would love to be included in the drawing. I can’t wait to show my husband your site…if he hasn’t seen it already! Thanks for sharing! Happy Trails!
In a few years my husband and I will be full timers. My husband will be working shutdowns as a welder, so it will be a few more years before we are traveling for enjoyment. We have had this plan for a long time, we said when the kids finished high school we would boom out together. I’m looking forward to our next journey together. I’ve found all the comments here very informative and helpful. Thank you for 10 wonderful tips.
The form your money is in makes a difference in how you RV and what your expenses will be. If you have a big income that comes from a limitless source (a pension and/or Social Security), then a large personal loan on a new luxury Class A motorhome may be just fine and the nightly expense of high-end RV parks won’t be a problem. However, if you are trying to make a small nest egg last to your dying day, and you are not even retirement age yet, you may be best off spending a portion of it to purchase your RV outright, rather than paying interest on a loan, and you will also be looking to save money on camping and overnight parking.
But there was one more thing I needed: pipe insulation. I wanted to wrap the pipe with the heat tape on it to help keep it warm. I checked out my options and decided on an adhesive wrap. Although it came in 15-foot lengths, I wound up needing 7 rolls of it because it had to go around the pipe. (This, by the way, is also when I learned that when you buy stuff for a home project at a place like Home Depot, always buy more than you think you need. It really sucks to run out of something in the middle of a project and you can always return unused items later. Home Depot has an excellent return policy.)
Just read all your cool info about your visits to Cloudcroft, NM. Actually visited there many times as a kid when my dad was stationed at Holloman AFB. Lived in Alamogordo too. I remember the artesian wells, horseback riding and camping. Took my wife through Alamogordo many years ago on our way to live in LA. Can’t wait to do it again in an RV. Thanks for the trip down memory lane!
Your water hose WILL FREEZE! Do not leave your water hose connected during freezing temperatures. There are special water hoses you can plug in to keep warm, you can also make a heated water hose using Pipe Heating Cable (Heat Tape) and Insulating Foam Pipe Covers. During extreme freeze your ‘heated’ water hose may still freeze. Numerous times I’ve seen people in the bathroom trying to thaw their heated hoses. Save money and save hassle, just fill your fresh water tank and disconnect your hose, repeat when necessary (it’s really not a big deal and it will save you money and you won’t have to store a bulky winter water hose all year)
Make meal preparation a new shared activity. Shop local farmers markets for fresh in-season options, try new foods, and share meal preparation with campground neighbors. Cooked-by-you means healthier eating because you control the ingredients. Dining out is fun and convenient, but to save money, making your own meals will be the best decision for your budget.
For healthcare we keep $8,000 in our HSA account (tax-free health savings account). This not only covers our regular yearly self-pay checks, but also covers the individual deductible on our health care plan in case we should ever need it. We keep an additional 4-6 months of savings in ready cash (e.g. cash, money market, savings) for unplanned RV, pet & other expenses and regularly add to these savings through our monthly budget.
$2,500 Insurance: Includes RV insurance, Car insurance, Life Insurance, Renter’s Insurance (to cover our belongings at home), Jewelry Insurance, and a Rider policy for camera/computer gear. We switched to State Farm Insurance halfway through the year and it saved us nearly $75+ per month vs. Geico and Progressive. We do not currently have health insurance, I know don’t yell at us… (est. savings $900)
BLM JUST upgraded their website last year and they REMOVED all of the wonderful links and maps they used to have on there!! For example there is no longer ANY information on LTVA camping, nor any information on MANY of the free or low-cost campgrounds we’ve used over the years. Plus that interactive map with all the clickable layers I used to use and which I linked to in that blog post? Completely gone!! I honestly have no idea why they decided to remove all this valuable info from their site, and I’ve yet to update all my old blog posts to reflect this massive change (I’ve got SO many broken links right now). You can still get map info if you physically walk into a BLM office and ask for it, but I no longer know how to find these maps online. Wish it weren’t so.
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The most inefficient part of RVs are the windows, which are usually thin, single-pane windows. Go to a fabric shop and get several yards of really thick, oven-mit fabric. Measure out your windows and cut and sew up some custom curtains. If I did not have really good, thick curtains on my windows, even with the wood stove, I would be really cold. The drafts you feel from the windows alone are pretty impressive, and curtains will help mollify that.
We are a Navy family of 6 (+3 cats) just starting out in a 34′ trailer. I am so excited to have found some families living a “full timer” lifestyle. We will mostly be tethered since my husband is still in the service, but we are thrilled that it will make traveling and changing duty stations MUCH easier! WalMart parking lots are fantastic for pit stops, it was a relief to know that I could just pop over to the grocery store if we had forgotten anything! Just wanted to say thank you in advance, since I am already brain-storming ways to organize our limited space, and figure out exactly how much we want to take with us! Best wishes on your journey…
With our system, we can use the faucet to fill our fresh water tank. However, you can not leave it hooked up to a hose when the weather drops below freezing. The hose has to be disconnected from the faucet so that the faucet can drain to down below the freeze line. If you leave the hose hooked up the faucet will freeze and break. That is an expense and inconvenience you don’t want in the middle of winter.
Knowing our expenses may not help other RVers. Unfortunately, there isn’t just one easy answer, and without a bit of research, no one can say how much living full time in an RV will cost. It’s the same as when we live in a traditional house—we all have different costs and expenses depending on our income and our lifestyle. It will depend on how much traveling is planned, the type of RV, and what the budget is. We may travel more or less than others, have a smaller RV with less expenses, and boondock more.
Now, about emergencies; who ya gonna call? (No! not Ghost Busters) Is there on-site help for mechanical and electrical problems and how do you contact them? What days and hours are they available? Is 911 service available (if you are fulltiming, you most likely are using only a cellphone – cellphones may NOT work with the 911 service since they do not give you LOCATION)? Where are the closest Doctors, Dentists, Veterinarians, Pharmacies and Hospitals?
We only had our little Gypsy cat just over a year when she snuck outside in San Diego during our pre-desert stay. The next month was filled with constant searches, fliers, and talking to anyone in the neighborhood, but we never found her. A short time later, our older cat Dylan was diagnosed with lymphoma. This is something most cats can live with, but six months after losing Gypsy, we lost Dylan, too. We did learn about coordinating intensive long-term medical care for a pet on the road and where all the animal oncologists on the west coast practice. Thankfully, our initial oncologist was so helpful in making sure she was looped in with what was happening along the way that we felt we had a primary vet on staff.