Getting Personal Effects coverage above and beyond the $20,000 limit generally requires scheduling each item and giving it a value. Progressive requires each item to be appraised ahead of time and submitted as part of the application process for securing an insurance policy. Nationwide doesn’t require appraisals but asks for receipts showing prices paid and date of purchase so they can determine the depreciated value. I’m not sure how either handles the “outside the RV” scenario if the base coverage is higher than $20,000.
You are probably working at a job right now and paying for an apartment or house. The first thing you do is decide what type of vehicle you want to live in and purchase it. Then you have a garage sale and sell as much of your excess stuff as you can, and give the rest away. Then you move into your vehicle. Now this is very important, you open a savings account and the money you used to pay to your landLORD for your apartment or house payment (including the utilities) you start paying to yourself instead by putting the payments into the savings account instead. Now you alone are the LORD of your life! The hardest part is that it will soon turn into a lot of money and you will be tempted to spend it. Don’t do it! Leave it there unless it is a total emergency. If you are currently paying $600 a month for rent and utilities, then at the end of the year you will have saved $7,200. Now you can travel for the next 7-14 months without working. Or if you work intermittently, you can extend that even further.

This is a big one. And to be honest, one I have mixed feelings about. There are still times I miss our old life and our old house. And I feel that by introducing all of us to this lifestyle it would be really hard to go back to what our old life was. My biggest fear is that our kids are going to continue traveling the world for their whole life and end up settling down all over the place so we won’t all be in the same location when our kids start having kids. Crazy right – then why the heck did we do this then??
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.
Propane Heater – This device sips propane compared to the furnace installed on your RV, yet it keeps the inside even warmer.  Best part is this heater doesn’t use electricity like a space heater but it heats just as well.  The downsides:  There is no anti-tip shutoff so it’s not good if you have pets.  The install can be simple but should be completed by a professional.  The propane is un-vented and therefore produces deadly Carbon Monoxide so you must keep a vent open at all times and constantly check your CO detector to make sure it is functioning properly.  Also as discussed propane heat produces humidity. Our friends the RV Geeks use this propane furnace and swear by it in their Winter RVing post
7. RV’s aren’t air tight. I don’t care if you’re in a $2,000,000 bus or a $5,000 trailer your RV is not sealed like a bricks and sticks home. Cold air leaks in under the slides, permeates through the walls, and seeps through the windows. If you plan to stay in freezing weather for an extended period of time locate those drafty areas and throw a blanket over them. For our Windy it’s amazing how much cold air comes in through the entry door area, so I cover the stairwell with a piece of board and my rug at night.

A heated hose will allow a fresh water supply but even if the water supply is the cold weather type, if you leave it turned on without heating the above ground piping, it’ll freeze. Leave it turned off and fill your tank when necessary. Connect your sewer hose as needed and drain it when done. Be cautious with the plastic fittings as the colder they get the more brittle they become.

When it comes down to the nitty-gritty, being able to “thrive” depends not on someone else’s description of the term, but on our own. Each of us, you and I both, need to decide what makes us happy in life. Deciding that you don’t need to be like everyone else is the first major hurdle jumped in living debt-free, and every person who decides to live without debt has their own reason for doing so.
Carrying a washer and dryer is an option however they take up a lot of space so if you’re planning to go small (under 35′) you might not have space for one. There is also the option for the ‘All-in-One’ washer and dryer which washes and dries your clothes in the same unit however we’ve had many RV’ers say they dislike this as it takes 2 hours per load and the loads are very tiny.
Avoid bringing the items you could easily just buy while on the road if you absolutely needed them, especially if your space is limited. It’s easy to go overboard buying all sorts of accessories for the RV. We recommend getting the bare minimum and then you can always purchase more as you, if there are items you wish you had. It’s much easier to do this then deal with the frustration of having too much crammed in!

The choice between a motorhome and a 5th wheel is very personal. Both have advantages and disadvantages. For example a motorhome is easier to set-up and take-down (very easy for either partner to do alone), but a 5th wheel is cheaper on maintenance (only one engine to take care of). I’ve written a bit more about the pros/cons in other comments (above). Good luck and best of travels to you!
Remember, look for areas most likely to lose heat, windows, doors, seals, and reinforce them with additional insulation. Consider investing in some portable electric heaters to keep warm without burning through all of your fuel, and make sure you wrap any and all water pipes in insulation and then electrical heat tape. If you don't have any other option than to ride out the winter, you can keep warm and safe, and Carolina Coach & Marine, serving Asheville, NC, and Spartanburg, SC, is ready to help you do it. Visit our dealership, or set an appointment with our service department, and let our staff help you prepare for the coldest months.

The second issue we had was when one of our propane tanks ran out at 5:30 a.m. on New Year’s Day.  We had an extra full tank of propane, but when we hooked it up, the furnace wouldn’t ignite.  We could hear it trying to ignite every 30 seconds or so, and the fan was blowing, but no heat.  I checked the stove to see if we we were getting gas there, and it was working, but with a lower flame than usual.  After doing a little Googling, I realized that the propane was probably not getting good flow due to the outside temperature, which was -9 F.  We bought an extra space heater thinking it might thaw out the tanks, but it didn’t really make a difference.  I also bought some Reflectix to line the door to the propane area, which I discovered was not insulated at all, but while that may help in the future, it didn’t do anything to warm up the tanks.


You can play a round of golf at a number of Dallas-Fort Worth area golf courses, including the Bear Creek Golf Club, Texas Star Golf Course and the Riverchase Golf Course. Spa facilities in the area include Sterling Day Spa near Carrollton, Serenity Day Spa in Richland Hills, north of Arlington, and Allure Day Spa in Hurst, also north of Arlington.

Last winter, we spent the week leading up to the new year with around 40 other rigs in the Anza-Borrego desert. It was truly one of the most memorable New Year's Eve nights we've ever experienced. We sang karaoke (well, not us, we watched karaoke), burned a plywood borrego, and ate like kings at a potluck out in the middle of nowhere. It was pretty fantastic. From there, we broke off with a smaller group in search of better internet and continued with the community happy hours. We then hiked it up to Quartzsite for an Xscapers convergence and another gathering of close friends. It was a pretty great way to spend a month, especially before we all dispersed in different directions for the spring.


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.
Many full-timers follow the weather as they travel, moving to more friendly climes – be they cooler or warmer – through the year. That serves as a fine rough outline but it can be frustrating to arrive in a new area and discover you missed a festival or traditional event by a day or two. Plan ahead and keep travel resources at the ready. But the golden rule of full-time RV travel planning is to stay flexible. Don’t be in a rush to head off down the road.
Drive slower and shed some weight! When we increased the speed on our cruise control from around 62 to 70 mph, we noticed a decrease from 7 to 6.5 MPG. Since we do a lot of dry camping we always top off our fresh water tank (75 gallons) whenever we can. This means that we typically drive long distances with an extra couple hundred pounds of water. Shedding the extra weight increased our MPG.

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.


Gradually, things started to clear out again and our mindset continued to shift. Then came the big day! An offer on the house – things just got real! We ended up having a huge rummage sale at my sister’s house since she was located on a busy street. We didn’t price anything but instead told people to make an offer on what they wanted. This was WAY easier. And we made an agreement that nothing would come home with us. We sold a lot and everything else was donated.
Did you have any trouble passing a home study while living in the camper? We are currently full timers while we save up money to pay cash for a house. We are wanting to adopt but I worry about the homestudy. Our camper is 34 feet and right now its just the hubby and me. I know we can make it work, but how to I prove that? Would love your advice! Thanks!

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?


Thank you for giving me some ideas. I am interested in going on long trips, and or living in an rv. Of course different lifestyles change the amounts of money. But, do you think a single person, in a realistically priced trailer, with a decent size truck, and doesn’t require a lot of entertainment and food, do you think I could make it? I am but a modest lady wanting to travel some. I appreciate your advice. Thank you.
Also, tanks and fittings are encased in the heated space, so electric pads and tapes aren’t necessary and the plumbing is all protected. This also means the floor is not the outermost part of the insulated envelope, keeping it MUCH warmer. The most hard-core of these units use hot water heat fired by propane or even diesel fuel (handy if the unit’s engine is diesel) and in that case, the heating system also partially heats the engine and fuel tanks to make it even more reliable in the truly bitter cold. The best ones run a heating line parallel to the plumbing lines keeping them all heated and protected. This heating system is really quite genius and the pump that moves the hot water uses surprisingly little power.
For me, there used to be an underlying pressure to choose the “best” curriculum similar to researching and picking the safest car or best vacuum. (<== OCD much?) I may have traded a few months of my life researching curriculum when we first started homeschooling 6 years ago. It seemed like, if I just read every. single. review. and every thread on every homeschooling message board on the entire internet I would find that perfect curriculum and my kids would be on their way to Harvard before their 13th birthdays.

Currently we are not full-timing it, but we are on the road for up to 6 months straight. For those extended periods, monthly expenses can vary depending on what campground or resort we are staying in. Campground prices vary widely. If you are staying in one area long-term, your best bet is to pay a monthly rate for your campsite. That will give you a deep discount, but in most cases you will be responsible for the monthly electricity (and sometimes water usage) for your campsite. Depending on the area you are staying in, monthly rates could be as low as $300.00 a month plus electricity. In more popular areas, the cost could exceed $600.00.
Now, when that fear wells up again, gratefully embrace it and say, “Thank you for the warning, but this is a safe risk. Look at my budget. Here is my savings account for emergencies. This is how I will make more money. Everything will be alright,” You may have to do this many times, but eventually your fear will turn to hope as it embraces your new life. Then, come, and join us as we travel the road of carefree destiny.
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.
Those first six weeks were brutal. By the first of October, when we had a chance to catch our breath in Florida, we seriously considered giving up. Despite all our research, we were woefully unprepared for RV life. My husband hated towing that behemoth of a fifth wheel, the kids hated sharing a room with bunk beds on either side, and I hated that everyone hated what I thought would be the adventure of a lifetime.
One last thought on sewer lines.  If you are really concerned that they may freeze, add some RV/Marine Antifreeze down the stool.  Make sure it is RV/Marine Antifreeze and not engine antifreeze.  You can find it a almost any auto parts or home store like Home Depot, Menards, Lowes or even your local hardware or grocery store may carry it if you are in an area where it is demand.

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.
What will you do when you reach an age that you can't travel anymore? There comes a time in every full timers life when they travel less frequently and maintain a more traditional residence. It can sometimes be due to health issues, aging, wanting to be close to relatives again, or any number of things that occur. That doesn't always mean selling your RV and buying a house again though. Many find a park where they want to stay indefinitely and still enjoy life without a house.
With that I can put a shower in with a small holding tank under it to drain via an electric drain switch when on country roads. (Yes people I will be using biodegradable soap and it is also grey water and put through a filter before spilling it out on the gravel road, no different than those who open their fresh water holding tank on the way home from a trip, hell, I might just charge the county with dust control). Toilets are the problem in the winter and I intend to go with portable potty because there are a million roadside toilets in lay-bys to dump them. I don’t use chemicals but dump often and clean with dishwasher soap (again biodegradable, you betcha, [is there such a thing?]). I have never had one smell at all but can always detect an ordure from RV toilets no matter how well vented they are.
Penni hung a “less is more” sign in the RV and has become an expert at cooking on a stove top that’s about a third the size of a typical range. She used to run a small business in Vermont making drapes, blinds and other home decor and still does some work for clients in the RV. She sets up a folding card table for her sewing machine and sends Chip outside to clean the vehicle so she can have more space.
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