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.
You are absolutely right Sondra although we are not at all looking to eliminate many of our expenses. About the only thing we are anxious to do is convert more to solar so we can boondock more in some of our natural parks. Our TT does not have any extra room for hanging clothes or a washer/dryer. We are a family of 3 (the third being a toddler) in 27′. There isn’t a lot of wiggle room, so to speak. As for eating out. Be careful what you say. Eating out is not synonymous with McDonalds and in our case involves some incredible farm-to-table establishments, seafood eats on the waterfront, etc. It is something we enjoy as a family and not something we are looking to cut back on. Your recommendations will surely be helpful to some though. Thank you.
This is an amazing lifestyle to live with your kids. There’s lots of downtime to just hang out and enjoy each other and tons of adventuring and exploring. Overall, it’s an awesome way to deepen your family bond! After 3 years of living this way, we have always been able to figure out how to make it work so everyone can enjoy this journey we are on!
We already knew we enjoyed Vermont having traveled up to the southern part of the state a few times when living in the area. But we were still surprised by how much we enjoyed Burlington once we got up there. We only had a few weeks, but could have easily spent the whole summer there. It really seems to come alive and Vermonters make the most out of the season. Brandon was able to dive Lake Champlain multiple times and explore a wreck only a handful of people had seen before. And seriously, we're out of maple syrup, so we may need to go back this year.
We are concerned about how this one would do in colder climates though so we will be doing some more research. Also the front bunkhouse is a little tight if there is an outdoor kitchen but it’s fine without the outdoor kitchen. A few more with this great floor plan are the Prime Time Lacrosse 336BHT and the Prime Time Avenger 32 FBI. We aren’t familiar with the Prime Time brand but we love the layouts.
I have spent the last 3 hours browsing many of your articles and have really appreciated your depth in explanations (from the dump station details, to which solar panel to buy to the realistic cost of repairs). My husband and I are in our mid-twenties and plan to move into an RV full time within the next few months (a cheap used one!) and then camp for free either by camp hosting or working for a free spot or most likely (for much of the year at least) living off the grid. While we won’t be traveling with it (when we travel we typically bike-tour) we will be living in it full time as we work (we work seasonally in two different locations) and plan to raise kids (at least while they are small) in it! Thanks for all the time and effort you have put into your blog and into the relevant information you share! Happy trails.
Skirting your RV – If you have an RV without insulated bays, or a trailer, you will need skirting in extreme weather. The majority of RV’s are not made for extreme cold so chances are if you plan to be in consistent freezing temps you should look into investing in this. In some cases if temperatures drop below 0 degrees you will need to run a space heater under your coach (inside your skirting) to keep it warm. I stay away from propane heaters and use an electric commercial heater under our RV.
Have a “fun fund” for those spur of the moment adventures. If you decide that today is the day you want to go for that hot air ballon ride, do it! Having money set aside for these experiences will make that transition to RV living more enjoyable and fun. We always seek out free and cheap things to do in our travels, but there are some experiences that are worth the splurge.
I just found your post as I was scrolling through to catch up. About your monthly rv rent–here in the Washington, NC area of Eastern NC, the rates are comparable to what you are paying for nice rv parks. One lists rates of about $300 a week “in season,” with “off season” about $200 a week. The other is higher at about $400 a week “in-season.” The cost is less for a year-long lease. The higher-cost park is gated and offers plenty of amenities, similar to what you list–it’s a really nice park that I would happily live in! So I think your costs are average for what you’re getting. Both parks are on deep streams that feed into the Pamlico River and on to the coast The nearby State park costs less but offers much less.
One of the beautiful things about aging is you carry along the wisdom of years of experience (that, and your wine gets better of course). By many standards you could easily call me but a pup in the great dog-park of life, but as our multi-year journey in RVing progresses I have managed to glean a few gems of sageness which I can happily pass along. In that spirit, here are 10 things I wish I’d known before we went full-timing:
You can pay $1500 for a decent house that can fit a family of four or five. You live there, in one place, and spend oodles once a year on a vacation. Then you come home, pay that rent (and then some in utilities), and twenty years later might be doing the same thing. Meanwhile everyone has their space. Space to disappear into their video games and man caves and kitchens. You, as a family, live together but you’re separated as easily as a staircase can be climbed, a door can be closed.
My only issue with this article is the title “The real costs” which implies that you are about to tell us that full time RVing is not as cheap as some people might think. Instead you provided your expenses which I would speculate are much higher than the average. As a number of people mentioned your lot rent is perhaps two to three times higher than the typical rent.
$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)
There is a reason for my post beyond saying thanks. In your numbers for insurance it is pretty high compared to what I am planning on. I am hoping my auto insurance will be staying the same as what it is now. I also know what my class A costs. Any ideas what the increase (if any) there might be once I go full time and sell my stix and brix home? My countdown has begun. 79 weeks 🙂 I started purging my stuff on CL and eBay. It’s rather liberating (and I cannot lie, a bit scary). Hope to hear back and also love following you adventures in Alaska.
Our health insurance we have gotten through Healthcare.gov. This cost is relatively low because we enrolled in catastrophic health plans and qualified for subsidies under the Affordable Care Act. It has changed every year, and this year they got rid of PPO plans that have in-network doctors across the country and not just in one state. Next year we may be looking into joining a Health Share program if prices continue to rise and coverage drops.
For these reasons, RVs smaller than 25′ didn’t really appeal to me at the time. With my space requirements and budget in mind, I searched for Class A and Class C RVs no larger than 30′. Many RV Parks and Campgrounds only accommodate RVs less than 30′ so I figured anything smaller would also manage well on the forest roads and remote places I wanted to go.
Since our business is cutting edge technology, this is pretty essential stuff to our livelyhood and keeping up to date is what allows us to be mobile. We upgrade our tech early and often. Our computers are rarely more than 3 years old and we usually have the latest iGadgets released (we are app developers and need to test on the latest and greatest after all).
I make some money blogging, but it’s not a significant portion of our income. I could probably make more if I were more aggressive with product promotion/partnerships and advertising, but it’s simply not my style nor is it the style of the type of writing/blogging I do. I’m very picky about the types of products I promote and work hard to keep my blog honest and relatable. It’s primarily about RV travel and sharing that love of travel online. Everything else is a bonus 🙂
Do these words stir a fire deep within you, awakening a spirit of wanderlust and travel? Maybe you were a gypsy, vagabond or hobo in a past life, but you think you could never afford to live the life of freedom you long for? It could be you are a survivalist, or just want to drop out of society but don’t know how. Perhaps you are just sick of the rat race and want to simplify your life. Or possibly the bad economy of the last few years have left you with no choice but move into a car, van or RV?
The grand total for the third quarter (July 01 – September 30) of our 2013 Expenses of Living on the Road Full Time in an RV: $10,275Below is the brief breakdown of our costs and expenses of full time living in our RV, if you want more details read the posts from 2012 and 2011 as we pretty much spend the same way each year. As usual I’ve rounded the numbers to keep it simple.$2,477 Groceries, housewares and booze – Costco still being the largest, groceries also includes Whole Foods, Target, Trader Joe’s, local natural grocery stores, and Farmer’s Markets.
I followed all my own directions as notated in this original post below EXCEPT for skirting. I don’t have a skirt for our Windy, and there was no snow on the ground so I couldn’t make an impromptu skirt. So today we’re a little more wise and humbly we offer a few new points on preparing your RV for Winter:1. Skirting – Anytime the temperatures will be sub 30 for more than a half day adding a skirt is the BEST way to keep your RV from freezing. If we would have skirted our Motorhome this wouldn’t have been an issue. That’s what I get for being lazy!
It was a matter getting rid of the things we knew we wanted to get rid of and just hadn’t taken the time to do it. We used online tools like local Facebook garage sales pages and Craigslist to get rid of a lot of our larger items. Then we tried a garage sale, but given where our house was located, we didn’t get a lot of action. And we spent a lot of time pricing everything… I think we overpriced a lot, too. It seems like we thought our stuff was worth more then it really was.
This comes with the territory as we are always exploring, but there are some places that just sneak up on you. Case in point is the Buffalo Gap National Grassland in Wall, South Dakota. We stopped in Wall to see the Badlands and visit Wall Drug, but ended up being blown away by the beauty of the grasslands. We were able to wild camp on the edge of the Badlands for free (thank you USDA Forest Service!) and witnessed some of the most beautiful skies and scenery. This beautiful and peaceful site is easily one of our favorite places we have camped so far!