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.
Okay, so I hope that in Part One I convinced you that you want a site with a sewer hook up. Now, about that hook up, you want to keep the dump valve closed until you have at least three-quarters of a tank so that you get a clean dump. You need the force of moving liquid to move the solids. That's as nice a way of saying as I could think of. . It is critical that the sewer hose has a constant decline to the sewer. If it does not have enough of a drop, waste will collect and freeze in the hose. Many people (myself included) run the hose into or through a PVC pipe to make sure that there is no ‘sag’ in the line. Other folks use a section of rain gutter as a bridge that holds the hose. Either of these systems will work.
The question I get the most is what do I do for heat. Heating and condensation is the bane of my winter existence. RV’s especially those built in the 70’s have little to no insulation. I spent about a month trying to fill all the little nooks and crannies with whatever I could find to insulate. Even with all the windows covered in cellophane, and covered in reflective insulated foam it doesn’t keep super toasty. I have a propane forced air furnace which helps but I don’t like running it during the night for fear of carbon monoxide. The key to winter RV living is blankets, flannel sheets, and slippers. Under my blankets during the night. Its super comfortable until I get out from the blankets and run to turn the thermostat on. One of my proudest moments this winter was up skiing at Rogers Pass when it was -34 outside during the night. I woke up and it was only -10 inside! Knowing that I had insulated enough to cause a 24 degree difference made me really happy, my friend who was staying with me at the time didn’t understand the celebration of a -10 morning inside the RV.
Sometimes packages shipped by UPS or FedEx to a General Delivery address at a post office are handed to the recipient free of charge. However, sometimes the Postal Service charges the recipient a fee at the pickup counter before handing over the package. I know this seems odd, because FedEx or UPS carried the package all the way across the country while the Postal Service is merely carrying it from the mail room to the front counter. But it happens.
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.
First up is getting space heaters for inside your RV. We used a combination of two space heaters, one being our fireplace and the other a small space heater we picked up. For those of you who winter camp you probably already know the cost of propane can add up quick if you are using it as your only source of heat. With space heaters you’re able to generate heat without burning propane. By using space heaters you’ll be able to go longer in between propane fill ups, saving you money and time.
Propane – If you have propane appliances (stove top, oven, refrigerator, or heater), you will need to budget for propane. This varies depending on usage. We don’t RV in cold climates, but we do use our propane stove top and oven daily. We have 2 propane tanks on our Fifth Wheel, and only need to refill about 2-3 times per year. Still, we average the cost and budget for it monthly.
Before starting a life of adventure, it may be hard to imagine that you will need or want to have any hobbies. Sightseeing ought to be enough! But it isn’t. After a while, you will want to have pursuits that complement your travels in one way or another or that perhaps are not even related to your travels at all. Our hobbies are photography, writing and mountain biking, and these all cost money.
The form your money is in makes a difference in how you RV and what your expenses will be. If you have a big income that comes from a limitless source (a pension and/or Social Security), then a large personal loan on a new luxury Class A motorhome may be just fine and the nightly expense of high-end RV parks won’t be a problem. However, if you are trying to make a small nest egg last to your dying day, and you are not even retirement age yet, you may be best off spending a portion of it to purchase your RV outright, rather than paying interest on a loan, and you will also be looking to save money on camping and overnight parking.
Joe and Kait its been said before here, but i would really like to thank you two for being so very transparent with all of your financial information. For “us” newbies looking to get started it is a huge relief to know that the numbers that we have worked out for “our” full timing are realistic. My wife and two cats are in the process of downsizing and moving full time in too our 30ft 5th wheel. My wife is retiring in August 2017, but i will be working for a couple of two more years full time to get the last few bills paid off before we hit the road full-time. Looking at your way of living gives us both the peace of mind that we are making the right move. Thanks again and please keep posting, your insights and adventures are wonderful.
The biggest difference in costs between living in an RV full-time and living in your own stick-built house is that the RV will depreciate very quickly while the house will appreciate over time. The recent real estate collapse notwithstanding, housing prices always increase as the decades go by. In contrast, RVs, cars and trucks quietly make their way to a value of $0 and eventually breathe their last breath in the crushing facility.
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).
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After checking out other blogs that said towing is cumbersome, we were thinking of foregoing a tow vehicle and renting a car when we need to get around. My concern is this might be problematic if we’re boondocking or camping somewhere remote. We considered trading our current SUV in for a mid-size four-down tow-able SUV (like a Honda CRV) then we’d only have to own one vehicle. But if this size is too cumbersome to tow we could get a compact car for towing and store our SUV on some property we own. (We need access to an SUV when we’re visiting back in the mountains of our home state of CO.)
One very last thing to think about before you decide whether you can afford to fulltime RV is income. Whether or not you currently have an income, creating some $$ on the road can greatly ease the constraints of a tight budget and radically change your available budget. If you are pre-retirement and have an online job that you can take on the road, then absolutely do that. Otherwise there are lots of opportunities to create some income on the road. We’ve met folks who workamp, edit, write, invest, compose music, create art, make jewelry, tattoo, run online businesses, take on temporary jobs (Amazon, Beet Harvest, Christmas Tree sales etc.) or do a slew of other creative things on the road for money. Some make only a little money while others make pretty significant $$. And these opportunities are not just for young folks, either! We’ve seen all ages making money on the road.
I remember reading this a few years back when purchasing our first second hand motorhome and finding it most helpful. I was wondering if you still felt the same so thanks for your updates! Based on our experience at this pointI would make a minor qualification to #4 regarding heavy items on the slide out. And this probably varies between makes, models, and slide mechanics. I would avoid a design with heavy items on a “ramp” slide, but don’t feel it really makes any difference on slides that stay level and travel in and out on strong rollers. The ramp slide has to go uphill when retracting and that causes a lot of strain on the motor and rails, the others though slide easily even with a heavy load. Our large passenger side slide has the entire galley, a 20 cu ft fridge and a pantry filed with a lot of bottles and cans. Large rollers and a tile floor allow it to move easily and without strain.
We have just become full-time RVers after 44 years of camping in a tent up to a diesel pusher.We now live in a Landmark 365 42′ fifth wheel, tow vehicle is a F350 4×4 dually, and I drive a CRV Honda. My husband is a transpo driver for a RV dealer during the winter so he is comfortable hauling the beast. Yes, I take my CRV and follow, I don’t mind the drive be it 100 or 1000 mi.
Since selling our house, our monthly bills have decreased. We no longer have utility bills or cable bills. Wahoo! We did finance our RV, but the payment is nowhere near what our house payment was. Spending less on our living expenses has actually allowed us to live more. We are able to travel, have experiences, and buy recreational equipment that we would never have been able to afford before.
It kinda depends. Most places you can be somewhat creative on how you park, but you do want to factor some space for your extra stuff. I would start by booking larger sizes until it get a feel for how you can arrange everything on-site. We’ve been able to park in most 40-foot sites with our little toad squeezed sideways in the front. We’ve even made it into smaller sites as long as access was good and the site provided some overhang. Then again, there are some 40-foot sites that won’t fit us at all because trees are in the way, or roads turns are tight etc.
I really think it has helped us learn who our kids are as individuals and people. It also allows us to be here for them when they have a question or problem they need help figuring out. We give them as much space as we can, and as they get older they are venturing out more and more on their own at the campground, museums, etc. But it has been great to be such an important and big part in their lives and to continue to spend so much time with them.
I used to be with them and could find dozens of great places that would allow you to work for 2 days a week and get to stay for 7 days at no cost. You can also work extra days and earn $8 to $10 per hour. Lots of places will hire you for the season, 3 to 5 months and pay you full time for a 40 hour week of easy work, you get to stay in the park free of charge, and if you fulfill your commitment you get your gas paid to and from the park. Now you have the rest of the year to relax.
Well congrats on the upcoming adventures! For an easy “entry” into RVing I would most definitely recommend the New Mexico State Camping Pass. Not only are all the New Mexico parks quite lovely, they’re spacious with lots of trails (very dog friendly) and you’ll get to travel around and see a lot of variety at very low cost. Plus you can test out your rig and dry camping skills. I think it’s an excellent idea! Good luck and good travels!
The figure here is our average monthly fuel cost for a six month summer season of travel. We drove a loop from Phoenix, Arizona through Nevada to Crater Lake in central Oregon and then went from northeastern Oregon to Sun Valley Idaho and Grand Teton National Park in Wyoming and finally dropping south through Ouray Colorado and into northern Arizona and back to Phoenix.
Now… we aren’t full time RV living like most people – we are completely stationary and have no intentions of touring around the United States in our RV! That said, if that’s what you ARE interested, here are some quality blogs, YouTube channels and Facebook groups of folks that are doing such thing… hopefully they’ll be a great additional source of inspiration to you!
Hi, folks! I just finished a 2-week car trip with my dog, Monk. It was fun! Such freedom! I’m retired and considering hitting the road permanently in an RV. This is more than a bucket list thing, it’s a dream. I’ve spent years flying back and forth over America and, although I’ve been in every state at some time, I haven’t stopped to smell the roses. Your article is a great resource for expenses. I don’t plan on doing this without checking out the realities. Because I moved around for my job quite a lot, I enrolled my dog in the Banfield Pet Hospital Wellness program. It’s a flat rate each month ($41.00/month, includes an annual dental cleaning), which covers most of the things you mentioned in your article for your furbabies (wellness checks, vaccinations, x-rays). There are some things that happen outside of the plan, but there is a discounted rate for scripts and other procedures not covered. Banfield is associated with Petsmart, so there are many across the country. In a 2300+ mile journey, I researched at least 8 along the way. All pet needs met in one spot. Just a suggestion
Finally, we need to seal all those other places where cold air can enter our rig. Any compartments that open into the inside of the rig need to have good weather seals. Under the rig, there are many openings where water and gas lines enter the living area. These openings need to be sealed and some of that aerosol self-expanding foam is great for this. Alternately, foam rubber can be forced into gaps to help reduce air leaks. Finally, the entry door needs to be checked to make sure that it seals properly. Adding some inexpensive foam tape or weather-strip will really help seal those air leaks.
3. I would have test drove some newer ones – I only test drove three or four 20+ year old RVs. Since I’d never driven an RV before, I had no idea how it should feel or sound. Had I known, I might have been able to detect some of the problems it had (a bad catalytic converter, for example). Test driving something newer might have given me a baseline for how it should feel to drive one.
After many years of Singapore math I realized I couldn’t keep up with Thing 1 so began the search for a new math curriculum that required less parental involvement. We tried the Art of Problem Solving which would be amazing for the right kind of kid. It was a horrible fit for us. After a few more weeks of research, I narrowed math down to Math-U-See, Teaching Textbooks, and Life of Fred. Thing 1 looked them over and chose which one he wanted to study. He chose Life of Fred and after two years I can’t say enough good things about it. (The Kahn Academy was used as a supplemental resource for extra practice when needed and not as a stand-alone program.)
The full-time RV lifestyle is absolutely fantastic, and we’ve been loving our nomadic life since 2007. Many people who are new to the idea of RVing full-time wonder how full-timers get their mail or file their taxes or what kind of insurance they buy. What the heck do they use as a home address (known in legalese as a “domicile”) and where do they register to vote? And how do they save money on RV park and campground costs?
If you’re planning to RV full-time, just know things break – often. This isn’t to scare you – full-time RVing is totally worth it, but just be prepared to spend $50-100 a month on repairs or maintenance. Thankfully, Luke can fix most things on our RV, so we just have to buy the parts. Depending on the condition of your RV and your handiness, you may need to adjust this number.
What puts an RV on the list: There’s obviously a huge difference between RVing once in a while and RVing full time. To make sure you get the closest feeling of living in a home we’ve hand picked the ones with a good mix of bunkhouse and regular floorplans. We’ve also made sure they have enough 40 feet+ length floorplans since space can be a concern when RVing full time. After a few spec comparisons it all boiled down to the ones which had the best reviews. Here are the Top 5 Best Fifth Wheels For Full Time Living.
I went on your site today for some inspiration and ideas. I feel like you two are taking the words right out of my mouth, I have said so many of the things I read here. I love that you are so honest and up front about everything. I’m planning on selling my home and buying a cabin with a few acres but when I search for information on living a simple life the lists i find are just things anybody could tell you, and I find myself saying “well “duh” thats obvious.” This is when I found homesteading sites with folks living off grid.
Inspiring! We are about 6 wks out to our new life on the road (with 3 kiddos & 2 tiny dogs). We are waiting on the final sale of our home, big estate/garage sale (everything will go), sale of our van then bye bye AZ hello open road. Some say we are crazy, many say it’s awesome. I cannot wait. We traveled for almost 4 months several years ago after hubby retired from the USAF & although there were issues here & there, the memories will last & what I treasure most. I love looking back on the photos & reading my posts about what we were doing & where we were. Cannot wait to do it full time for who knows how long. Roadschooling is on my agenda as well. Oh & I agree we can live without so much stuff. What’s the point really?
Truth be told, cooking is the most difficult part (to me) of living in a camper in the winter. If you don’t crack open a vent so the condensation can escape, your camper will quickly begin to accumulate ice and mold, although the wood stove helps bake most of that condensation out. Also, make sure to wash dishes the second you finish your meal, because it gets much more difficult once they freeze… and you don’t want to carry any more water into the camper than you have to.
When we’re driving in sub-freezing temps we do 2 things: Run the small space heater in wet bay and run a large space heater inside the RV. If you have solar it should keep your batteries charged no problem, otherwise you’ll need to run the generator. We only do this when the temps are around 25 degrees or below outside. Also we have a digital wireless thermometer in the wet bay so we can monitor when it gets too cold.
I see someone asked a similar question, but maybe you just missed it. My girlfriend and I are nurses and we’re about to travel. We’re thinking an RV is the right move for us and I’m trying to figure out what its going to cost. We don’t have much money saved for something like this, we pay student loans of course! It appears you’re not financing your RV, is this the case or do you keep your payment to yourselves? I just dont know if its crazy to think that people are financing say, a 150k RV over 10 years at 1500 a month. Is this what a reasonable couple does? Or is that wacky?
Well…that was an error!! I’ve fixed it, thanks to you. That’s what happens when you stay up past midnight finishing posts after working a 15 hour day!! So we appreciate your comment. Love that you mentioned that its all about balancing expenses and income flow. We are working on building a program to teach our budgeting strategies, as well as share the tool we created that we use to budget each month. It’s not about how much money you make, its about how you manage it and control it. RV life allows a lot more flexibility in monthly expenses, we… Read more »
I was surprised at the cost of insurance but then saw it is a Travel Trailer. Motorhomes are rather more expensive. As far as lot costs, we would/could not justify that as retirees. We pay $500.00/mo which includes water and electric in Denton TX., and traveling will require a fair amount of research as so many parks are above what many of us travelers can afford.
Marla- good stuff, if one owns their property…those working and staying in campgrounds probably wouldn’t be able to do the mods you did. Digging definitely a no-no, but campground water/sewage has closer hook ups to use a heated/electric hose. All in all good initiative and networking! Kudos on a LIFE…being lived…Given all you do/have done… I hope you are finding ways to SHARE this kind of life w/ other women and young girls…self-confidence, self-reliance, and independence is essential to building stronger women and breaking the cycle of abuse in women and children! Namaste-
We did have one issue with freezing last year, when the city water pipe sticking out of the ground that our mobile home park was supposed to be responsible for winterizing froze. The only thing they had done to protect the pipe from freezing was to wrap it with insulation and plastic, and the part right next to the ground wasn’t adequately protected, and it froze during a cold snap where the high temperatures were in the single digits. After a neighbor helped us thaw the pipes with a crazy high powered industrial heater he brought from his place of work, I removed the park’s insulation, wrapped the pipe with electric heat tape, covered it with more insulation and plastic, then for good measure I lined a Rubbermaid storage tote with foam board and put it upside down over pipe. It did not freeze again, lol.
All our Fifth Wheels and Travel Trailers are “Extended Stay Approved”. This means that we have engineered them with many of the residential-style qualities found in a fine home. To this end, we have created spacious open living areas and appointed them with extra large windows, large refrigerators, walk in closets, large queen/king beds and many other home-like amenities.
It’s a good tip. We used to have business cards and still exchange them on occasion, but I have to admit we’ve gone mostly online now. I connect with lots of folks through either Facebook or Instagram, and of course there’s also RVillage where you can check in and see where various folks and groups are on a map. Lots of good ways to stay connected.
Volunteering & Workamping: We also haven taken fun volunteer positions from time to time – such as interpretive hosting at a lighthouse in Oregon. We get to do something incredibly fun and give our time for under 20 hours a week, and get a full hook-up site in a gorgeous location. With our full time work commitments however, we rarely have time for the extra hours however. Many campgrounds will accept ‘workampers’ for a few hours a week in exchange for a site – check Workamper News for more information.
When Robert was offered a job in Atlanta working for an airline, they didn’t think they had enough money to buy a “proper house” for their two kids, their dog and their cats. So they decided to take the plunge on the RV lifestyle. Jessica convinced her company to let her work remotely so she could home-school their children and work in the RV anywhere in America. Robert works four days at the airline and then gets four days off, which he spends with his family in the RV.
If the couple wants to supplement their income while on the road, there are plenty of part-time and full-time workcamping job opportunities available. Depending on the workcamping job they choose, it could include a small salary with free space rentals. In fact, there are seasonal jobs at amusement parks such as Adventureland Resort in Altoona Iowa that offer jobs exclusively designed for workcampers. These jobs provide a free hook up campsite that includes electric, water, and sewer and an $8.50 per hour wage. There is no contract or time commitment required.
RV maintenance depends on how handy you are and what kind of rig you have. I do all of my regular maintenance on the Airstream, so I usually only have to budget for maintenance parts and not labor. That’s only a couple hundred dollars a year. Since we have a tow vehicle, maintenance of that will also be lumped in I guess. I’m not really a person who has done strict budgeting, but I think a couple thousand bucks a year to put away as an emergency fund is a good idea.
So without any more rambling let’s talk travel trailers. It seems to us there aren’t as many bunkhouse floorplan variations for travel trailers as there are for fifth wheels. Also there aren’t as many slideouts presumably to keep the weight down since slideouts are heavy. So we have been trying to prioritize and figure out our needs for RVing. While we aren’t full time RVing we do plan on taking a 2 month trip every year and want to be comfortable. So here is what we are considering so far.
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.
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).
Just wondering of you add anti-freeze to your grey and black water tanks. We are currently plugged in at a campground in Benson AZ where it’s getting down to the teens at night. Last night our water pump froze over but we managed to thaw out with no damage. Went and purchased 2 of the tiny ceramic heaters (one for the inlet side and one for the water pump side) and insulated all of the lines we could find…set the gas heater a little higher (last night we had it at 47 degrees for fear of using up too much propane and the lines froze anyway). Anyway…just wondering if we should be adding the anti-freeze and if so, how much (we have 40 gal holding tanks). Thanks for the great article!
We wanted to travel across America and we calculated that buying an RV would be the quickest route for us to go and visit all 50 states. We had no idea that we would live in an RV longterm, share the lifestyle with other people, or that I would spend so much time writing about living in an RV. The rest happened because we truly fell in love with the lifestyle.
My wife and i,along with our red Aussie shepherd and 2 cats just sold our 10 acre spread in tx…horses ,tractor, chickens,any thing that we couldn’t take in our 38 ft.redwood 5th wheel. We did buy into coast 2 coast membership,before discovering other free or 1/2 price deals.we are only moving about 250 MI. Each move, so far we only pay 100.00 per month to camp,granted we do have to be on the move but that’s the point of RVing rite?we are really enjoying ourselves so far and the people we meet are great and we learn Tons of rv tips as we go.what do yall think about the newer toy haulers? We have a golf cart and a harley as well.we currently pull the cart behind the 5th wheel on a 10ft trailer,and we had to store the bike…your thoughts on this please!
1. Schedule regular RV maintenance: You’ll be able to more fully enjoy your RVing adventures without also having to worry about mechanical issues. Routine maintenance and a basic knowledge of the inner workings of your RV are essential for full-timers, especially when traveling through more rural parts of the country where you might not have access to an expert technician. Bring all the necessary tools to change a tire and fix common engine problems and store a spare tire, coolants, oil, and any other parts you might need immediately while on the road (you can find some maintenance tips at our blog). When you've reached a stop, be sure to schedule a maintenance session at the local garage. If you're in Florida, Arizona, or Colorado, stop by one of your Lazydays RV Service facilities where expert technicians specialize in RV maintenance.
Remember Annie. This is my families expenses. It is not meant to be “the be all that ends all” or the average monthly expense for nomadic living. Not to mention this is from the “winter months” wherein we splurge and stay at an RV resort in SW Florida where prices are premium because of snowbirding. Do some searching around on sites like Technomadia and Gone With The Wynns or even the Snowmads to see examples of other working budgets.
I love your site and the ideas/videos, but I’m perplexed by your statement that propane RV furnaces introduce moisture into the coach. Yes, propane combustion does give off significant water vapor, however with a vented furnace (which most RVs have) all of the combustion materials including water vapor should be vented directly out by the furnace and never goes inside the coach: zero added moisture. Can you clarify? Thanks
After a year of full time RVing in a Class A motorhome, we sat down to look at our RV living costs. Some costs are calculated on an annual basis and other costs are calculated on a monthly average. RV living costs will vary depending on the number of people, pets, life style, spending habit, and other factors. We hope you find this information helpful as you plan for full time RVing.
I Have just spent almost 2hrs reading your posts, thank you thank you and to all who replied. I am in the process of getting rid of stuff, my target date is end of July or first of Aug to take off after selling my house and car. Planning of buying a Class C 20′ to 30′ gently used. I am 81 and ready to go. I have two pages of notes from this blog so far. Thanks again Pat
My family consists of myself, my husband, and two toddlers. We are hitting the road next summer for a few months of slow cross country travel. My question is, do you have any campground memberships, and if so, which one do you think would be best for my young family? We prefer to be in more of a campground setting than an RV resort, and we would also like full hookups and bathroom facilities if possible but we would be willing to forgo the bathrooms to save on price. We want to spend a lot of time reconnecting with the outdoors and visiting some national parks. Your budget and all of the wonderful work you do has really helped me begin to plan our trip and I can’t thank you enough.
I am an aspiring homesteader on a journey to become self-sustainable and free. In my past, I've worked corporate jobs to make ends meet and get ahead a little; it didn't make me happy or confident in my future. Since taking the leap to self-employment and living a more simple life, my happiness levels have increased greatly and I've never felt more alive. I finally understand what I want in life and how to get there, and that is what this blog is all about.