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.
Gear / Modifications – Your RV dealership may or may not provide some of the basic “gear” that is needed to live and travel in an RV (see our Gear Guide here). You may also want to complete certain upgrades for safety or convenience. For example, we were not happy with the tires that came on the Fifth Wheel, and purchased all new tires (at our own expense). Many RVers like to boondock, or camp off-grid, and outfit their RV with solar. Others remodel and paint, change flooring or fabric to make it their own. This is often an ongoing expense that you should budget for as just like in a sticks and bricks home, people like to upgrade and make changes to improve their daily lives.
Thanks! It is definitely challenging with kids but we figure they are only young once so why not spend as much time with them as possible. And who knows maybe your wife would be on board – this was never in our plan when we got married but we saw an opportunity and went for it. I also like the idea of extended trips. Now that we have been traveling this way I couldn’t imagine going on vacation for only a week – we need at least 2 to 3 weeks in a location to truly experience it.
$1099 Equipment Upgrades – The more Videos I shoot the more Hard Drives I need, and the faster my computer needs to be! I added a second Hard Drive to my Laptop, it’s a blazing fast hybrid drive and works perfectly as a ‘scratch disk’ for my video files (drive plus install kit $175). I had to purchase a new Wireless Lavaliere receiver due to my unfortunate accident of dropping the camera into the creek (see the previous post on expenses for the ugly details) however my insurance policy covered this cost, YEA! We bought a new “toy” it’s the Canon EOS M ($794), check my post on Secrets to HD Video on the Road for more details on how much we love this tiny camera (and what we don’t like about it). I purchased a new 3TB External Hard Drive for redundant backup ($130), you have to be prepared for a computer or hard drive to crash at any time, better safe than sorry right?
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.
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.
Area parks feature hiking trails, sports facilities and green spaces for your family picnic. The city of Dallas manages over 21,000 acres of parkland, with 17 lakes and over 60 miles of biking and jogging trails. The city also operates more than 40 recreational facilities, featuring tennis courts, soccer fields, community swimming pools, playgrounds and picnic areas for you to enjoy. The city of Fort Worth manages more than 200 public spaces, including the Forest Park community swimming pool, McLeland Tennis Center, softball fields at Gateway Park and track and field facilities at the Haws Athletic Center.
$1,600 Insurance – Covers the following: RV, Smart Car, SAAB SUV (we won this for Best of the Road, but it sold in July so we don’t have to pay insurance anymore), Renters Insurance Policy for general coverage, jewelry policy, rider for camera equipment, and probably some other stuff too. This also covers the yearly fee for the AAA RV program and the monthly fee for Chase Identity Protection (although I may cancel this as I spoke with a lawyer who said it’s a load of crap). For those of you wondering if we’ve purchased health insurance: I’m sorry to say we haven’t yet….we still can’t justify it. We have not paid for health insurance in almost 9 years because as self employed adults insurance is a joke and horribly expensive. Why start now? We have a nest egg saved for any medical emergencies.
Unless you're staying in an RV that's purpose built for extreme cold, your RV is probably lacking in insulation. Because of the way travel trailers and motorhomes are constructed, there are some perennial weak spots that RVers have to shore up to best insulate their homes. First, your windows are going to be more liability than asset in the winter. Glass lets heat escape easily, so you'll want to insulate your windows. Many RVers use styrofoam cut out into window sized blocks to shore up these weak spots, others go with plywood, as it's sturdier, but even a set of thermal curtains will help bolster your RVs insulation. Another problem spot for many full timers is the underside of the RV. Because of your ground clearance, the cold wind can whip right under your RV and steal precious heat, and cool the underside storage compartments to make it harder to heat your RV. Since you'll be in the same spot all season, it's a smart idea to build a skirt around the bottom of your RV to keep the wind out. Finally, RVs can get drafty after a few years when the seals start to break down, so find the problem spots where the cold is sneaking in and plug the holes!
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.
If you install solar power, a big battery bank, or upgrade your converter or inverter or have any kind of add-on that is pernamently attached to the rig, and you have an older rig that you are insuring for Actual Cash Value, that upgrade will be part of the Actual Cash Value figure that the insurance adjuster will be calculating at the time of a claim. If you are insuring for Replacement Value, check with your agent how best to cover major upgrades.
We quickly learned that we didn’t like that he had to be at the table working all day while the kids and I were out exploring all of these amazing places! Plus, having to go back to Wisconsin was expensive and limiting how far we could travel. California is quite a drive from Wisconsin, especially if you want to go back and forth. The cost of him flying back alone would add up, not to mention I just did not want him leaving us for a week.
Pete, the ugly truth is: RV MSRP is a joke. Most people end up purchasing a new RV for 20%-30% off the MSRP. If you purchase a unit that’s new and last years model you can expect to get 35% – 40% off MSRP. Of course everything depends on supply and demand, and how long the dealer has the unit on the lot. If you want the biggest discount purchase a used RV that’s 2-3 years old, and buy an extended warranty.
Very informative site, thank you for all the work putting it together. My wife and I have a small rv and are intending traveling from Fl. to the Jackson Hole/Yellowstone area and would like to know how much hard cash we should carry. We are not trying to skimp, we don’t need to(thank God) and besides we want to enjoy ourselves, but feel we should have some cash with us but not too much.
Suddenly, it started getting dark. Being in denial that the Bigs are actually pretty grown up, I was still worried about them frying their eyeballs. Then someone said, “The sunset is all around us!” I stopped worrying about the Bigs taking off their glasses to soon and spun around to take in the most amazing 360 degree sunset. Next someone else shouted, “Look at the corona!” I pulled off my glasses and, overwhelmed by the beauty and the most pure light I’ve ever seen lost my mind. Lost. My. Mind.
Doug – every dollar we spent over the year was included so this is realistic for us and how we travel…as stated in the post: RV living costs will vary depending on the number of people, pets, life style, spending habit, and other factors. Yes we wrap various items in the Misc category but we do have the Jeep/RV expenses listed on its own line in the avg monthly costs… RV/Tow Car: $132 oil changes and supplies. If you’re interested in more detail, check out our monthly expense reports and it will break our costs down further – including what we spent on Misc items that month: https://weretherussos.com/cost-of-living-full-time-in-a-rv/
We also conserved fuel by minimizing our hot water usage. With no permanent sewer connection, we weren’t using the washer/dryer. Instead, our weekly errands included a trip to the laundry mat. We both had a fitness center at our workplace, so we took advantage of those showers. This had the added bonus that we got into a regular exercise routine. In general, we were mindful of how we used water during our winter RVing — a practice that continues to prove useful in boondocking.
Well I’m happy I could help alleviate some of that angst. You’ll be in great company out here -> lots of folks all doing this same RV thing, and I’d care to venture almost every one of them had some level of anxiety about it before they started. Just be open to the experience, and see where it takes you. Even if you end up not liking it, it’ll give you new and amazing experiences. Plus you will never have the regret of saying “I only wish I had tried it”.
Great information! My husband and I just purchased our first motorhome, a Thor Challenger 37GT that has 3 slide outs. We will be full timers and will be living in the rv in the cold, cold (and hot in the summer) Midwest for the next couple of years until we retire and head out to see the country. My question is, how do we keep the slide areas warm in the winter? Would you skirt the bottom of the rv, then also skirt around the slides? Or is there a way to insulate around the slide when it’s out? Looking forward to comments. Thanks!
This is mainly because it is our home and office and it can be disruptive. If we need to be out of the RV while work is being performed, we have to find somewhere else to work or wait with our pets. We've done this at the service center, at a friend's house, and once we just rented a hotel room because we didn't want to work in the car all day with two dogs and two cats. We don't think they wanted to sit in the car all day either. We've also spent the night at service centers which are not the most scenic locations, but really aren't all that bad. Sometimes you even get to plug into power.
Just wanted to thank you for all the really helpful info here on your website- We just recently have made the decision to sell the house , take an early retirement and dive into the rv life full time. Problem was we didn’t know didn’t know diddly! We have a 5 year plan to get all our ducks in a row to full fill this dream but need to know so many things before hand.and you both are a goldmine of useful experiences and information- if you don’t know something you lead us in the right direction and that is all one can ask.
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!
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.
I used to spend a lot of money on internet service and full package cell but this last few years I’ve changed. Now I bring a cell phone for emergencies but it is not activated as 911 does not require activation. I use the kind of phone that can be used by purchasing a card just in case but have not yet needed to do so. In almost every town the public library allows you to use their computers for doing business and just finding were to go can be fun and a good way to see the place. I use Google chat to talk for a few minutes to special people and download a few pics to face book. Our philosophy now is to travel shorter distances per day, travel slower, and see more. Pretty near all of our budget goes to restaurants and gas.
As a blogger and online content creator (my main blog is BabyRabies.com, a pregnancy and parenting site), a book author and photographer, I am able to work full-time from the road. My husband left his job and manages most of the road-schooling and the other moving pieces of, well, moving. It’s nearly a full-time job just booking sites and planning our route!
The highlight of our travels this year was visiting our 49th state, Alaska! During the long drive through Canada and Alaska, we listened to many audiobooks like Call of the Wild, White Fang, Hatchet, and Jason’s Gold as we drove through and visited many of the places in the stories. Thing 2 also developed a fascination with gold panning so he spent many hours reading about gold panning and then gave it a try himself near Girdwood and Chicken, Alaska. Roadschooling at its best!!!
Well we just closed the deal. We have our new 2012 Monaco Vesta 35PDB. We will pick it up at the end of this week. They need to prep it and I am having them install solar panels and a satellite dish. I do have a queston on tire pressure monitor system. I have been reviewing them on Amazon and not sure which one to go with. I never had one on our 2001 36′ Winnebago but I would like to get one for the Vesta. What do you have and how do you like it?
We have lived full time on the road for 2 Years – WOW! We can’t believe it has been that long and on the other hand it feels like we have always lived this life of full time travels. Last year at this time I wrote a post about 10 Things We Learned From 365 Days Of RV living with kids. The post was filled with things that we had learned to adjust to and change as we adapted this full time RV lifestyle.
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.
I also bought PTC fittings. I needed one to join the PEX to a male hose connection and another to join the PEX to a female hose connection. I had a tiny bit of trouble with that — PEX connections normally work with pipe threading, not hose threading. (The fact that the two threadings are different is something I learned back when I set up the irrigation system at my Wickenburg house years ago.) The Home Depot pipe guy helped me get what I needed.
Bottom line: In my opinion most folks will be able to live this lifestyle on around $2500-$3500/mo. If you have a smaller budget look to save up-front by buying a smaller rig as well as curbing camping & driving costs (once you’re on the road). If you have a larger budget, go ahead and splurge on a bigger rig and more park/driving/entertainment fees. It’s all within the realm of possibility.
Here is my question to you – you mention that you would prefer a 35 or even 30 footer in place of your 41 foot plus Holiday Rambler PDQ. What would you specifically be willing to give up from your current rig to get down to the 35 foot mark? Have you seen a 35 or shorter rig you would be happy to FT in? What would you you absolutely never give up? I am trying to figure out what a 35 footer would need to have to make full timing work
Hence the idea started brewing about first downsizing then freeing up time and money and, finally, traveling. We had been planning to homeschool the kids since our oldest was 2, so that opened a huge door since we weren’t stuck on the school schedule. My husband had a job in IT which meant he was working remote 1 day a week and could potentially do more remote work or find another job which offered that.
I ran across your post during my search for RV cost of living. I just recently semi-retired at 48 and was wondering what this lifestyle would cost. I’m always amused (read frustrated) by how many readers make critical comments about other people’s decisions on how to spend their money. “You pay $1100 for space rent? I boondock in a slaughter house parking lot with a view of a brick wall for free!” or “You spend money on fancy craft beer? I only drink grain alcohol mixed with Capri Sun, or I’ve sober since 1989, you need to meet Bill W.” Myself, I want freedom that’s why I chose to change my lifestyle. That said, I like being near a beach. I like “resort” style living with a pool and a jacuzzi. I love eating in great restaurants. I appreciate you breaking this down in a realistic way, its given me some food for thought.
hairyleggedjebjeb: Come back and talk to me about it when you've been doing it for more than 50 years (as I have). RVing can be a terrific lifestyle, but to think that it does not involve sacrifice is dreaming. There's plenty of that, and the longer you live this life, the more you will see that this is true. Far too many people jump into it thinking it will be all fun and freedom only to find that, just like anything else, it has its problems. The disappointment this brings often causes people to give it up, so to protect them a bit, I wanted them to see the realities.
We scrapped our plans as our car was towed off to be repaired in El Paso and we had to move to a bigger city to find a rental. It turns out that Minis have an issue that can cause them to catch on fire at any time. Not trusting it after that, we switched it out for the Xterra. It was a pain at the time, but now it's a story to tell around the campfire.