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In the case of Nationwide (Allied), there is a four page description of how personal effects are covered and the capping methodology used, including more than a page of listed exclusions. Some highlights: There’s a cap of $500 per individual item. Groups of similar types of items are capped differently, for instance items grouped as “camera equipment” or “fishing gear” or “musical instruments” are capped at $1,000 per group while items grouped as “computer equipment,” “tools” and “silverware” are capped at $3,000 per group.
Just reviewing your sage wisdom once again as I make further preps. Got the truck, mail forwarding service (Dakota Post per your recommendations – they’re every bit as brilliant, friendly and economical as you said) and just this minute joined Escapees (also per your recommendations, of course – who else would I listen to?). I made sure to mention you as referrers in gratitude for your honest, spot-on advice.
You don’t have to have a “home” to have an address. There are multiple companies that offer mailbox services. Which means you get an address for a mailbox that is located in one of the cities that the business is located in. The company then scans your envelopes and sends them to you via email (you can let them know if you want them to keep it to mail it to you or throw it away), mails your mail to you once a month – wherever you are, or some even open the mail and scan it and send it to you. It is all for a monthly cost but it is very reasonable. The only thing is you have to have domicile in the state they offered in. The main one’s for Full Time traveling families are Florida and Texas – since the homeschooling laws are best there. However we had heard that Texas wasn’t good for state health insurance since they didn’t offer a nation wide plan – not sure if that matters to you. Here is a link from a full time RVing couple about how to handle mail and a few other things: http://www.technomadia.com/2012/07/chapter-9-nomadic-logistics-domicile-mail-taxes-banking-and-voting/ Hope that helps! Let me know if you have any more questions.
Hi Kirsten, those are great questions! I have written a number of posts about organization, personal space, etc. You may be able to find what you are looking for on my blog by using the search box on the bottom right hand side, using search terms like organization, small home living, camper living with kids, etc. You will also find videos of the inside of our camper on http://youtube.com/americanfamilynow. Our 31′ camper is a bunkhouse. It has four bunk beds on one end and a full size bed on the other end, with a couch, table, and kitchen area in between. We shopped around quite a bit until we found what we were looking for. Campers come in all shapes and sizes! Thanks for reading!
So those are just 10 things I have learned so far – and I know there is so much more learning to come. We are happy about our decision and what we are doing and sometimes we have to stop and sit back and say – is this really our life?! It is funny if I hear about someone else doing something like this or see a blog about it I get the feeling like – Wow that is awesome! I wonder how they are doing it?! Then I say – oh yeah that is right – we are doing it!
Reluctantly, we arranged his course of study to meet traditional future college entrance requirements and enrolled him in a virtual school for a few classes. It was tough transition. First, it was our first experience with the Common Core math standards. As you know, I question any sort of blanket “standards” and the status quo. However, after a year I think the new standards are beneficial in helping kids gain a true understanding of math instead of relying on memorizing formulas. The virtual school math has also been very challenging because, although he has a teacher he “can” go to with questions, he has been responsible for learning the concepts himself and he has had to be accountable to someone other than me. A good thing! For the most part, it has been a valuable experience as he has learned the hard way to manage his time and seek out resources on his own to help him understand concepts. (Unfortunately, his algebra teacher were less than helpful.)
Hope you don’t mind us asking but whilst we have amalgamated what we feel is a good nest egg, our concerns are what to do with it to generate enough income and hopefully enable it to grow somewhat more being in our early and late fifties. We’d hate to run out of monies and the ability to continue our travels due to jumping the gun without an adequate plan in this regards.
Hi Nina, thanks so much for the prompt reply. Follow up question to your comment “couple who had a large 5th wheel last year and they had so much low overhang on the back of their rig that it kept bottoming out on bumpy roads” Are you referring to the distance of the furthest rear axle to the back end of the 5th wheel or simply the ground clearance at the back end of the 5th wheel? I can see it being a problem the greater the distance between the rear axle to the end of the trailer on any bumpy road as being a problem, and I have seen some motorhomes that would have the same issue.
Thank you so much. All this information is very helpful and I do have a few friends who have traveled and lived on the road for more info. Good luck to you and your family. One of my friends traveled across the nation for over a year staying long terms in National Parks with 6, yes I said 6 kids and home schooled them. Interesting life to say the least.
The UPS distribution center was small, and they said only the driver would know the exact time. To our utter astonishment, they gave us the UPS driver’s cell phone number. So we called him!! He was very friendly and said he could drive over to where our RV was parked and hand deliver the package in about 10 minutes. We were both totally shocked when he pulled alongside our rig and handed our package to Mark — at no charge. Now how’s that for service?!
If the company goes out of business (and we’ve heard of that happening), not only might you lose some mail, but you are left without a legal address. Of course, it is easy enough to “move” when you live on the road, so you won’t be homeless for long. But you will have to make a lot of phone calls and online address changes wherever your mailing address is recorded.
how workable do you think it is to slowly accumulate a group of websites of whom you’re an affiliate (rv’ing stuff?) to help or maybe even completely pay your RV’ing costs as you traverse the country (sounds like a doable niche in itself to me) ? I’m a retired programmer and on SS now, but would like the security of knowing I wasn’t completely dependent on SS while travelling. I love your site, BTW. Thanks – Bob
Great read and well done! Being a 60 + newbie my wife and I had some angst about our new full-time journey but after reading your real-life experience we both will be resting a lot easier tonight in our 5th Wheel. Most all you Top 10 were planned out and made ready. We are prisoners to our storage costs but feel ok with that due to our 3, maybe 4, year plan. We will be down sizing at a minimum with cost but feel the short run and future needs make it ok. Again, great job, thanks for sharing, I got you booked marked. Do you have. Facebook page? Lionel
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.
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.
I could “camp out” in my hangar at the airport. The hangar has two offices with baseboard heaters, as well as a full bathroom. My furniture is already there, so it’s just a matter of reorganizing it to meet my needs for the few months I’d need to live there. Unfortunately, I didn’t think my landlord — the folks who manage the airport — would like those arrangements.
I really appreciate the informative comments. My wife and I are tossing around the idea of selling our house and purchasing an RV. We’ll be able to afford to pay cash for a Class A motorhome or (for less fear of problems when sitting still long term) a top of the line camper trailer so payments are not part of our expenses. My greatest concern, as with most folks, is the monthly cost of staying in a campground. Can you enlighten me on what a “membership” might cost and which ones you would recommend…if indeed you do recommend joining a camping club. We’re not the type of people who would want to stay in a state or national park. Our income should allow us to stay where water, sewer and electricity is always supplied. We simply need to know if our daily expenses will outweigh what we now spend living at home…which is about $1,500 per month, including water, electric, cable, phone, groceries, three (paid for) cars and property tax. THANKS!!
* Safety: Do not make alterations or heat an RV in any way that could create a safety hazard. This includes using unvented heaters, such as space heaters or the gas stove/oven, in the living space. Unvented combustion heaters produce carbon monoxide, a colorless, odorless gas that can be fatal, and almost ½ gallon of water per gallon of fuel. Any heaters that burn a fuel source inside the living compartment must be vented properly to remove poisonous gases. Make sure to have a fire extinguisher and smoke and carbon monoxide detectors.
Tank heater pads aren’t of much use if the rest of the tank isn’t insulated. As was pointed out, RV skirts are a really good idea and I know of the old trick of putting light bulbs in compartments and under the skirted RV to keep spaces at temperatures above freezing. This works effectively in RV sites with electrical hookups, i.e. relatively limitless electricity at 30 Amps (3600 watts).
Some people leave both their gray and black tanks closed during cold weather and only open them for dumping, but we really wanted to be able to leave our gray tank open and not have to worry about it. After researching, I realized that unless we were in a climate where liquid could freeze in the amount of time it took to travel through the hose (which we were not), it would be okay to leave our hose hooked up and our gray tank open as long as it could drain quickly without any places where liquid could collect.
First of all, I had to do a lot of research to better understand the difference between fifth wheels, motorhomes, truck campers, pull-behinds, etc. Ultimately, we made our choice on motorhome because we liked the idea of having our vehicle and home be all in one. We enjoy being able to walk to the back and use the restroom or make food, without having to leave our vehicle while we’re traveling.
Most RV fridges are tiny and hold ¼ of what a standard size fridge holds, so planning is a must before making the trek into town to the grocery store. You have to know exactly what you will be cooking and how much space you have. Throwing “extras” into the cart can’t happen. That’s why I don’t take Brett with me shopping. He is the worst about buying off the list!
Wow! and Yikes!! Camping in Massachusetts will be far far different than where we’ve winter camped in the southernmost states. Our stints in snow storms in Colorado and New Mexico have never been longer than one week and we quickly moved to a much warmer place. I lived on a sailboat in Boston Harbor for four years and that was the coldest I’ve ever been. After that I promptly left New England moved to Phoenix Arizona to thaw out! Good luck to you!!
Living in a camper, RV, trailer whatever you want to call it is a wild ride filled with amazing travels! We have also realized that living this life has made us appreciate a lot of things that we took for granted when we lived in a house. RV living is definitely a different kind of living. Being on the road means there are really good times and also times of frustration and struggles where you miss the comforts of a house.
Thank you so much for your kind words! We love to travel to (and hopefully one day we will get to as many places as you’ve been) but having our house on wheels and exploring the USA is wonderful! Congrats on your decision and good luck on your next detour! Thanks so much for reading. If you have any questions about RV life, be sure to check out our resources here https://www.followyourdetour.com/full-time-rv-resources-and-information/
One thing to note with the small space heaters is that they can take up a lot of power. You may end up tripping a couple of breakers as you figure out how the power flows through your RV. If you flip a breaker take a second to note what you have plugged in and where. By doing this you’ll gain a better understanding of what you can run at the same time, and more importantly what you can’t run at the same time.
For those concerned about dental and medical care on the road, another option is to zip across America’s southern border to get good dental/medical care in Mexico. We have gotten a lot of excellent dental care in Mexico, both in our lives as RVers and our lives as boaters living in Mexico. We have detailed information about dental care in Mexico at this link:
Love this interview! With 4 kids and dogs in an RV… We live in an RV with only 2 kids, and they don’t take many space (yet) as they are 2,5yo and 7mo. So I’m impressed 🙂 Love the tip about taking it one day at a time. That is what I should do more too. I have the tendency to plan ahead to much. Maybe a tip for other RVing families: come to Europe! Europe is great to explore in an RV, but choose a smaller vehicle because the roads and campsites are small compared to those in the US.
Do whatever you can to practice living in an RV full-time before you actually hit the road. Practicing will help you learn what you need to enjoy this lifestyle and, more importantly, what you don’t. Practicing will help you get comfortable living in a small space and towing it to different campsites. The RV lifestyle will become more familiar, which will make the transition easier when it becomes part of your daily routine.
You asked if any one read or cared about the expense reports, I do. We are in the downsizing mode and it will be 1 1/2 years til we full time. ( We just bought a fifth wheel that is in storage and have no truck at this point) I have visited several other sites and keep returning to yours. I think I could write a blog on preparing and down sizing but have no idea how to start one. Please keep up the expense posts.
In the winter you’ll notice condensation accumulating on the windshield, on walls, etc. Condensation is your enemy. I know it sounds contradictory but you need to crack a vent or a window at all times. Condensation can build up, get in the walls, etc and cause mold. You do not want this! Simply crack a window and turn on a fan to circulate the air, if you’re already using a space heater with built in fan you don’t have to worry about running a separate fan. You can also put the dehumidifier pellets like Damp Rid or DriZair (you can purchase at most stores) in the areas that seem to draw the most condensation. We’ve found the condensation will not pose a problem as long as it’s 40% relative humidity or less inside the RV.
This article isn’t personal financial advice, but it does show you how a wide range of RV experts handle the financial aspect of their lifestyle. We’re grateful to all the experts who responded—especially considering the fact that we asked for personal financial information. We really appreciate the sincerity, transparency, and humility of everyone who took part in this survey. Thanks, guys!
Wow! Bold, informative, funny, truthful, your on to something. All your information from the Cats to your cell phone service. I feel very blessed to have watched HGTV that day. You are living our dream and at such a young age. Your showing a very young generation that you don’t have to wait till retirement to see the world. Oh I am not old by the way or retired but admire your budgeting skills and dedication to balance life experience vrs $$$.. You guys are getting it right. Ok so medical expenses. What people don’t know is when you pay cash for your medical care you can negotiate with the doctor because they save by not having to bill your insurance and all the clerical and bookkeeping costs. So lets say the cost of a physical is $500.00, well I think we all know that is crazy, but that is what they bill the insurance co. but if you tell them you are paying cash, ask for a discount. Good doctors that care about patient care are happy to do it. My parents do it all the time. Dentist, Eye Doctor.. You can monitor and care for your health with out medical insurance. Sorry so long.
If you are planning to work camp in exchange for an RV campsite, or if you will be working part-time jobs as you travel, or working via the internet from your RV, your choice of overnight parking spots may be based more on your job’s requirements than on the whims of your travel interests, and your camping costs and the kind of work you do will subsequently be tightly linked.
So interestingly enough we’ve not seen much of an inflation factor impact in our budget over the last 7 years. For example fuel prices have varied enormously during our time on the road (anywhere from $2.00 to $4.50 per gallon), yet our fuel numbers have not really reflected those changes simply because we adjusted how far we traveled each year. I DO think it’s good practice to add an inflation factor to any budget you look at (we do this in our long-term retirement budget planning too), but you may find the actual impact (once you’re on the road) to be less than you expect.
We started to feel suffocated in this amazing house and life we had built. Money was tight. We had to pay for this house and we could afford it, but it didn’t leave much extra. At this point my husband was working a 9 to 5 and I was a stay-at-home Mom with a direct sales business on the side. That did bring in a couple thousand a month to help cover birthday parties, activities, and those trips to the store. But that was it. We were always playing catch-up, and life was so busy with what we came to feel were meaningless things.
The problem was that we were traveling too much, and trying to work full-time on top of that. So, we decided to try Cherie’s formula and slow down. And, you know what? It made an enormous difference. Traveling became fun again because we gave ourselves the time and space to really experience each place we went. We also had more breathing room in between travel days to work, rest, and do chores.
Living in an RV has helped bring Alyssa and me closer together in our first couple years of marriage. We’ve seen more of America than either of us could have imagined we would (and still have a lot to see!). Because we are self-employed, we’ve been able to pick up and go when new opportunities come our way. Not to mention, in the past few years of travel we’ve also been able to pay off all $27k of my student debt.
Just as a mortgage might be this is the largest expense we incur. It is also the most important though. The biggest difference is that we don’t pay rent on our land in North Carolina. It is paid for and other than a very small yearly, personal property tax, is little liability. Lot rent is the payment we make to a campground, state park, city park, etc. to park our travel trailer, have access to water, electricity, and (more times than not) sewage, and parking for our truck. Most spots we choose also come with room for our daughter to play, us to have a small patio area, WiFi, and access to a number of campground amenities including a swimming pool, jacuzzi, shuffleboard, basketball court, playground, etc. So unlike personal home rent or mortgage payments our lot rent gives us exposure to a community of people who are like minded and love to live life to the fullest!
Today is the first time I’ve wandered down through the comment sections, and I have to say I was shocked with some of the hostile responses! Kudos to you guys for handling the negativity well, and know that for every Negative Nancy shouting off in the comments about your personal spending habits, I’m sure there are dozens of unvoiced happy readers delighted with your candid and thoughtful post. Keep it up!
Thank goodness you have the finances and securities to afford the RV lifestyle you two are able to enjoy. You do not need to apologize for that. You guys do a good job of keeping the RV community informed. 2015 is my year for transitioning to a RV lifestyle. Gathering all the information I can to aid in my search and the transition itself. Looking at a nice used 33 ft. Class C that I can support with my SS check and small retirement income.
Hi, I came across your blog and have so many questions for you! I think its amazing that your living in an RV with a kid and lately have been thinking how amazing the simple life would be to do that myself! I have two little ones, ages 4 and 2 and want to know what the real cost is for buying an RV, what do real monthly payments look like for you, water, gas, electric, RV site rental or camp ground? How did you get a custom RV or where? What about kids schooling? I would like to stay where we are state and city wise but want a more affordable option for living. Do you have a post where you address all these questions? I would truly love to hear more about this! Thanks
[…] The down-time is also giving us some space to plan our next steps. In the last big storm we discovered yet another leak in…guess what?…our”big” slide on the front drivers side of the rig. This same slide, and the woes of getting it fixed was the very reason we rushed ~1000 miles cross-country to Oregon almost 3 years ago. Back then the main problem was in the back of the slide near the fridge. Now, the front has moved out of alignment with the front edge dangerously close to catching under the rim of the RV. Simply put it’s just a poorly engineered design and we should never have bought a rig with a heavy object like the fridge in it (one of our “10 Things I Wish I’d Known Before Fulltime RVing“). […]