Groceries – This figure can vary based on location as the cost of living fluctuates by region and if you are near metropolitan areas or tourist attractions. In addition, taxes can vary. Note: You may choose to put household items like cleaners, shampoo, dish soap, etc. as a separate line item. Since we purchase them with our groceries, we just include them here.
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.
When you trade your home address to live on the road in an RV, you need to decide how to receive mail and what to call “home” on your tax returns. Some of the full-time RVers we meet retained the state of residence where they were living before they hit the road. Most of them still own property in that state, and they often have a relative or friend who forwards their mail.
To let you know what kind of weather we’re preparing for in our RV, a typical winter day in this part of the country is below freezing at night and above freezing during the day. Usually we will get a couple of weeks each year where the high temperatures don’t get above freezing and the lows are close to zero, but we rarely get sub-zero temperatures. And although we usually get at least some snow and possibly ice, the snow doesn’t stay on the ground for more than a few days.
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These days everything is available online and if you’re putting most of your spend on credit or debit cards* it’s super easy to import it into programs (e.g Quicken or Mint) that will summarize and keep track of exactly where your money is going. Not only will this give you a solid idea of your starting point, but it will be key to pointing out places you can possibly save once you change your lifestyle and get on the road.
Why we’re doing it: Depression, economic hardship, and fear are impacting Americans at an alarming rate contributing to grave uncertainty, growing intolerance, and crippling levels of anxiety. One in ten Americans are on antidepressants; among women in their 40s and 50s, the figure is one in four. Although we spend over 30 billion dollars on these medications, the epidemic of depression has moved suicide into one of the top ten causes of death (www.cdc.gov).
$1,277 Hawaii Trip – We flew to HI for a friends wedding, it’s amazing how expensive 1 week of travel outside the RV can be. Our friends paid for several dinners, entertainment, and our hotel room yet we still ended up spending this much! This amount includes Cat Hotel ($252), Food, Drink, Pedicure Spa day, and groceries. This price doesn’t even include our airfare! It’s nice to get out of the RV for a few days but the expense is hard to chew.$500 Stuff and Things – I’m sure I’ve missed a few things we’ve paid cash for like laundry, parking meters, tips, farmers markets, etc. so I’ve added this buffer.
The other huge and unexpected expense was for internet access. We have been very disappointed at how difficult good service is to find in campgrounds. We use the lodges as much as possible but still need a hot spot with smart phone / ipad etc…. We are now up to $300 on this item just to have backup hot spot. We are thinking about a second service such as Millicome (sp) so that will add another $100 month. Our wifi ranger has made a huge difference but it is still only as good as the router it picks up. Our Wilson has helped with the phone connection. Once again here was another big expense we hadn’t expected.
My husband is possibly getting us transferred to Winnipeg, MB, Canada in the next couple months. Being that he’s never set foot in Canada and I am a sand person – not a snow person, we thought we would sell our house in Indiana, buy a fifth wheel and find a year-round place or campground to park, near his work. I said if it doesn’t work out, we’ll pack up and head straight for Florida (or someplace warm at least).
I love to cook as well…but then I like checking out the local brewski scene even better. About 80% of our going out during the winter is at the Elks which is cheap for both food and beer…$5.50 a pitcher and dinner for $9…but in the travel season we tend to eat at the local Elks maybe 10% and the rest at various hole in the walls. I don’t think we could get to your numbers even if we cut out the DirectTV fees and workamped…but then travel style is different for everybody…and one of the big drivers is what you can afford to spend. We’re fortunate that we can (mostly) not really budget…we could get down to JC’s 6K per month if we needed to without much strain…and if we needed to we would…but we don’t so we don’t. Our secret was to turn all of that money stuff over to a financial planning service up in the DC area when we went on the road…sure, we’re paying their annual percentage but we’re in a medium growth and income portfolio profile…we’ve averaged about 5% return since 1/1/13 and have taken out about $50K over that time frame for big ticket items like the new truck, trip to Ireland, trip to Alaska, etc.
This includes both truck and full-time RV insurance for our 5th wheel trailer. We pay it annually, but the monthly cost is shown. If we had kept our Arizona home address, this line item would have been twice as much. There is more detailed info on the selection of a domicile (home address) and the implications that choice has on your vehicle insurance in the fulltiming section.
Legally you must carry chains to drive many mountain passes during snow storms (especially in California). If you don’t have chains on board and you get busted it’s a hefty fine. We’ve spent winters all over the states, and fortunately we’ve never had to put our chains on. Of course we watch the weather religiously before we plan to drive anywhere. If you’re flexible like we are and you know a storm is coming you have 2 options: 1. Bust out of there ASAP before the snow or 2. welcome the snow with open arms and extend your campground reservation a couple more days.
I live in Ga and have an open DFCS case because my son and I stayed in a van. I wanted to buy an RV however I do not know how legal it is to stay in an RV, Im unsure about how I will argue that it is a perfect alternatuve to staying in a van. Do you have any advice on how I can get clearance from DFCS so that my son and I can stay in an RV legally do you know anyone I can talk to about it.
1st off I grew up in kick, so hello fellow dott. !! We just moved up to a 5th wheel and have not yet went out, hopefully in March we will get to go . Loved a lot of your ideas, especially the shower. Storage is at a minimum so I hope to use a lot of your ideas on storage . Our dinning are consists of a table and 4 chairs so this will be a lot different , and space is small. Liked reading on your blog and plan to read more !!
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.
Typically there is one main bay that holds your black/grey/fresh tanks, your sewer connections, water pump, water filter, etc. This is the MOST important bay to keep warm. I purchased a tiny 200 watt (1.8 x 4.3 x 6.1 inches) ceramic heater and leave it running in the bay during freezing temperatures. It pulls about 5 amps and keeps all my pipes warm (exterior temp 20 degrees, inside bay 50 degrees). Some people recommend hanging a work light in the bay: I tried this and the bulb melted the plastic bay, and my water still froze so I don’t recommend this option.
Hi! My husband and I want to go from living in a home to rving around America. Mostly because we want to find where we want to settle down to have and create a sustainable farm but we really would love to have adventures and explore as well. We have three kids 7,4, and seven months. Our goal is to have an rv and sell all our things or most by July of next year. The only thing we are wondering about at the moment is how you fund living this way? Do you have a business that allows traveling? Also do you ever set up a tent for your older kid to be able to get away and have a quite place? One more question is schooling. I do unschooling but was curious what you do for school? Thanks!
We know we changed as the years passed, but this was recently confirmed when we visited some friends from college. The last time we had visited was two years ago, only one year into traveling full-time. This visit, they couldn’t get over how much we’ve changed, especially Brandon. It helped us to see there were more changes than we realized happening and we knew it all stemmed from our experience on the road.