b) You kindly share so very much about budgets and affordability on your web site but there is no mention of how you or others similar that can’t/don’t wish to work whilst travelling and aren’t of retirement age for pensions/SS etc fund this lifestyle for several years? I notice that you referenced more recently somewhere about generating a little income as affiliates for Amazon (by the way, we look forward to supporting that in due course), but assume that wouldn’t equate to your full months expenses?
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.
We’ve always installed MaxxAir vent covers on all 3 of our RV’s. During the winter a vent cover is a must as it adds an extra barrier against condensation, and when there’s a pile of snow on the roof you can still open the vents while cooking (or if you need to let some condensation escape). We installed a new MaxxFan on the Fleetwood and it combines the vent cover into the fan, it seemed to hold up pretty well to the elements however we didn’t have a more than a few inches of snow at a time. In our first RV (the Damon Avanti) we purchased the vent ‘pillows’ to help keep warm air in, and keep down condensation and they worked well, but we got tired of carrying them around all year for a few days here and there of snowy weather.
I was about to say the same thing. 2,500 is way too much. I was hoping with discount plans to be able to hit the road with about $400k, paid for Truck and 5th wheel and spend about $1000 a month. Just leaving the cash in a normal retirement plan which would return about $700 a month (grandpa is on something similar at the moment) and Social Security (if still available) should be a couple hundred more. Figured out of my pocket I would be spending about $300 – $400 of my own money per month. That would last me pretty much forever and a lot left over for nephews and nieces.
But I am sure you know, so this is more for others who are looking into the lifestyle that often times getting a thousand trails or RPI membership cuts costs tremendously while traveling. So good to check out all avenues! You could really do this on any dollar amount as you mentioned cause there are a lot of workkamping positions. I heard of a guy doing it for $700 a month. If it’s your dream go for it!
Anyway, clearly Kent speaks from experience and the deep thought given to solving the problems he faced with the tech and budget available to him in an extreme environment. I’m impressed. Another point I want to commend Kent on is how he has the wits to know how important it is to present a clean and organized exterior with accouterments that suggest the owner actually contributes to the local economy…. Look forward to how he adapts to the desert next!
Since we live in a mobile home park and are connected to a city water supply, we have never used our fresh water tank, and we needed to protect our fresh water line from freezing. To do this we purchased a Pirit brand heated hose. Some people wrap their regular hose with heat cable and pipe insulation, but our water connection is so far from the city water pipe that we wouldn’t have saved much money doing it that way. We have been happy with our heated hose; it is very convenient and we left hooked up (but unplugged) over the summer as well.
For cash needs, you can get “cash over” on a debit card at the supermarket without any fees rather than worrying about finding a branch of your bank in some obscure town or paying extra to get money from an ATM machine. Buy a pack of gum for a buck and get $100 over. If you need to deposit a check, get the mailing address of your bank branch and mail them a short explanatory note, a deposit slip and the check, endorsed “For deposit only.”
From our research Verizon is the only network that offers such great coverage across the USA. There are 1 or 2 other budget pay as you go plans that sometimes share Verizon’s network however the speeds are throttled back for those customers (i.e. the cheap phone plans you buy at Wal-Mart, Target, etc). We’ve made it work for 2 years now, and let’s just say we’re happy to be joining the rest of the 4G world.
Thanks for the tips & thoughts. We’ve had very good coverage with Verizon since we started using them (only a handful of campgrounds where we couldn’t get signal) so for the time being we’re happy w/ their service. I think if we travelled regularly to sites without Verizon coverage we might opt for a movable satellite dish, but so far it’s not made the list.
Emily, you have done an absolutely fabulous job of compiling tons of useful information and we avidly read your blog and go back over things as we prep to hit the road full-time. We love the way you think, your personality and just everything we read. You have been so kindly open with your budgets etc but there are two things we are just curious about being of similar ages and not able to get pensions or SS at this stage in our lives.
That said, if you can manage to get a trailer/truck or Class C (though note that Class C’s, unless you can also afford a small car to tow behind you, make it more difficult to leave your “camp” and drive to the grocery store, etc.) and have some money left over…I could easily see living off of $1600 / month as one person. It’s just about putting your expenses down on paper, then really, and certainly depends on what kinds of places you want to stay / live.
If you are staying in a park or resort, find out who maintains, roads, parking, sidewalks, etc. and how often. What amenities are available to you at the park; are there laundry facilities, showers, pools, exercise equipment, and so on? What other forms of recreation are available in the local area? Are there other people staying through the winter and do they get together to socialize?
The kids, as kids most often do, adapted quickly. The hardest months for the teens were when they started school but we were still living in an RV. The best part about our home on wheels were the wheels and when the wheels weren’t rolling it was an entirely different experience. They didn’t want to invite friends over or be dropped off at the campground. While Brent and I were more than happy to share why we lived in an RV, what mattered to the teens was what other people thought.
Retirement – Once you have an adequate emergency fund, and are debt free, the next component of savings is your retirement savings. We follow Dave Ramsey’s plan which suggests putting 15% of your gross income into tax-favored plans such as your company’s 401(k) and Roth IRAs. Don’t wait until later to start saving for retirement. You just never know what may happen in the future!
Fuel costs are highly variable, both because they go up (and sometimes down) and also because you may drive more or less in any given month. Fuel can cost as little as $0 per month, if you stay in one place and ride your bike around town. Or fuel costs can dominate your budget if you decide to take your RV from Florida to Alaska and back via the scenic routes through New England and Southern California — in six months!
When I travel on a 6-8 week roadtrip with two people, my expenses average about $100/day. That includes food, fuel, and lodging. I drive a lot (20,000 miles/ yr), so my expenses are high. When I stay at an RV park in FL for the winter, my expenses are lower because I have little to any fuel expenses. Lots of RVers spend less than I do because they drive fewer miles and often do free camping on Federal land. Also, some don’t include food expenses because those expenses would be the same if they didn’t do RV travel.
Also having spent lots more time in very windy areas (where we often have to pullin the slides to protect the toppers) I’d recommend buying an RV where everything is functionally usable with the slides in. That’ll help when you’re overnighting somewhere, or just want to stop for lunch say too. Ours is totally functionally usable (which is great!), but it’s total luck coz we didn’t actually think about this when we bought the rig.
Just like anything in life, you can’t please everyone and everyone doesn’t have the same amount of money Which makes this country great. In the US you can work hard and succeed. And those that don’t have nobody to blame but themselves and government that takes so much from those that do work hard. I just found your site and am hoping to find out the cost of going full timing. My hubby and I have no idea what the costs would be or how to determine how much we will need to live our life on the road. I’m hoping reading your site will give me more insight. What would be really nice is a book that gives a good idea what to expect. We have our unit already, after many tries I think we found the one that will serve us the best. If anyone knows of any books on this matter please let me know.
Excellent read, but now more than ever, I want to head south before it's too late. I planned to head out of CT to IN for Nov/Dec, then go south. But the RV parks (just 2 that are open year round in that area) have an age restriction for their RV's. Mine is a 1985 Class C, though not in the least bit embarrassing. I'm afraid I'll run into this age restriction thing all over the USA but the fear of spending the winter in CT is getting to me, too. I can't even imagine my propane and electric costs to get through each month, not to mention the cost of skirting. Help!!! Can someone ease my fears about the age of my rig in regard to campgrounds during the winter months? Will I be stuck parking in Cracker Barrel's?
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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!
2017 Update – YES. Public Land is still our #1 camping choice. There are now many more options for finding these kinds of sites including ultimatecampgrounds.com (which has overtaken uscampgrounds IMHO), Benchmark Maps (which are excellent paper maps for public lands), AllStays (which also offers an app) and other resources. If you want to see how I plan our current travels, check out the 3-part series I wrote starting HERE.
I’ve spent a year so far living and traveling in a self-converted cargo van. I’ve been through four major purges of stuff. Just yesterday I combined the contents of two partially empty containers. Now I have a container to divest myself of. The thing is, I don’t feel like a radical minimalist. It’s just that I’m finding out I don’t need a lot of stuff I thought I would, and holding onto it just got in the way. The less I have, the more I can see and evaluate what’s left. If I can’t tell you exactly what’s in a box or cupboard, if I’ve forgotten some things I have, then they’re probably not necessary. If I don’t know I have it, it’s the same as if I didn’t have it. It’s rarely a case of, “Oh! I’ve been looking for that.” More often it’s, “Why was that once important to take with me?” So I like your advice to start out with nothing and then add only what you need. I know it’s not practical to always be acquiring things piece by piece, but it’s a good way to keep from being overburdened.
Regular shower and/or bathroom: At first, a small bathroom seems just fine – until you've been in there a few times. The walls close in. The shower is smaller than most broom closets. Your elbows will touch both sides, as will a lot of the rest of your body at certain times. While it's totally doable to take a shower and still feel like you are OK to go out in public, it's certainly not luxurious.
In this particular case on boondocking I am wondering if you read down to the part where it says Other Resources/Internet Sites and went to the links. Freecampsites.net is a great website and used it in my year one planning. Please read in detail as to how many days that you can stay at the particular campsite, cost of campground since most aren’t free that I’ve opened up, and if RV length mentioned make sure that you can camp there. Usually there is good information on how to get to the campsite in question as well.
When we first started talking about RVing full-time, we had no idea how much it cost to live full-time in an RV. Was it going to cost more than living in a house? Was it going to cost less? How much would we spend on gas a month? I had no idea, and I wasn’t about to uproot my life if we couldn’t afford it. If you’re wondering how much it costs to full-time RV, well, then you’re in the right place.
Just as the more commonly accepted THOW forums go there is always that one question that is asked over and over and over so to does the RV community. It usually manifests itself as some version of “How much does it cost per month to live full-time in an RV?” And as one would imagine there is no standard answer. The answer is highly personal and varies from person to person based upon personal living style and income.
In addition, we get to utilize the mortgage interest off our RV payment as a tax deduction (it’s a second mortgage if you have a bathroom—see IRS laws). Besides the memories we make starting from the moment we drive out of our driveway, we are making our money go further. That means more money for more vacations! In addition you will save even more money making your own meals on your travels. Can you say “Ca-ching!”
You may wish to put insulation around the waste hose to give the fluid more time to drain before the freezing temps cause a problem. I have seen people add heat tape to the drain hose also. I do NOT recommend that. Heat tape works fine on water lines that have water in them. Full lines are less likely to over heat. An empty sewer line may melt or scorch from the heat of a tape. There MAY be tapes made for this purpose, however I’ve never seen them.
Many retirees choose southern British Columbia because of the milder weather. Vancouver Island is very popular with year round RV parks that have all of the amenities needed to accommodate most people's needs. The Sunshine Coast has many possibilities, as well as the Lower Mainland and the Okanagan. Many of the choices will depend upon the interests or needs of the RVers.
Prices for LP are all over the map, and we haven’t been very diligent about shopping around. We just buy it when we need it from whoever has it nearby. We’ve been paying anywhere from $2.59/gallon to a little over $4.00 a gallon in 2014. We use about 15 gallons per month: a little more in December/January/February when we use our vent-free propane heater to heat the trailer, and less in summer. RVers that stay in RV parks and campgrounds with electric hookups use a lot less propane than this, because they don’t run their refrigerator on propane 24/7. If you have hookups and don’t have metered electricity, you can save on propane costs in the winter by using an electric space heater.
2017 Update – TOTALLY. I still recommend a contract-free approach whenever possible. This gives you the flexibility to sign-up to the best plans (and offers) whenever they became available which has improved our own set-up and saved us many $$ over the years. The whole Mobile Internet landscape has changed dramatically since 2011 (e.g. Millenicom is now caput and gone), but there are still many contract-free options for mobile travelers. You can read about our current internet, phone & boosting set-up HERE.
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.
For the past year, we felt the wind shifting but we were in denial. We tried to continue on course against the wind hoping that things would return to what they were. However, in the quiet of night, I knew the change I was hoping for wasn’t going to happen. In those silent moments of raw honesty with myself what I wanted, as ridiculous as it sounds, was for the older boys to quit getting older. I wanted them to stay my babies forever and shelter them from life’s hardships. Living in the RV seemed to slow down time and kept them close. Kept them safe.
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.
Thanks for the blog. Do you have any suggested blogs on full time rving with kids? My wife and I have 4 kids and the thought of cutting the cord locally while I still have my sales job (I cover all of So Cal) so I can pretty much go wherever for the timing. Basically changing scenery weekly or monthly sounds fun. Just didn’t know if you had any details on doing it with 4 little ones. Thanks!
I think the best thing a person could possibly do if they KNOW they’ll be wintering in their RV is to buy an RV that’s set up for all-season use. Those have better insulation and even heated basements to prevent pipes from freezing. They cost more (of course) and are likely heavier, but I will never spend another winter in a cold climate in an RV that isn’t set up at the factory for winter use.
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.
The Meinhofers have met a lot of families with kids on the road, but they haven’t encountered many other Latinos. They think there’s a perception in some communities of color that doing this means you are destitute. They are trying to inspire others to join them with their YouTube channel, Exploring the Local Life, which has become so popular it is making them money.