For the merchandise budget I allocated $30,000, which includes such things such as solar power, computer and internet related gear including two brand new laptops, new photography gear (have Nikon cameras, but want digital). Currently up to $28,000 on my list, but still have things to add to the list. The budget for the merchandise could even be low.
She was perfect for our family and if we were going to do it again, we’d buy her. Honestly, we have no regrets but now that we are no longer traveling full time, it doesn’t make sense to keep her. Not to mention we no longer fit in our truck now that we are a family of six so if we did want to keep her we’d have to buy another truck. During this next season of our life it doesn’t make sense so we are hoping she’ll go to another family who will love her and have as many or even more adventures that we did!
A very important #11 is having an RV insurance policy specifically designed for full-timers – equivalent to homeowner’s insurance. A windstorm uprooted our carport and threw it into our neighbor’s trailer at the campground and caused some damage. After calling State Farm, we learned that our RV policy was good for nothing, and by no means adequate for a full-timer. A standard RV/auto insurance policy doesn’t cover any liabilities and also won’t cover the loss of any personal valuables (jewelry, guns, clothing, etc)
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.
For cash needs, you can get “cash over” on a debit card at the supermarket without any fees rather than worrying about finding a branch of your bank in some obscure town or paying extra to get money from an ATM machine. Buy a pack of gum for a buck and get $100 over. If you need to deposit a check, get the mailing address of your bank branch and mail them a short explanatory note, a deposit slip and the check, endorsed “For deposit only.”
5. I would’ve understood that low mileage doesn’t necessarily mean an RV is in good shape – RVs need to be driven. The longer they sit the more things dry up and crack. If I had to do it over again, I’d ask if it was stored inside or outside, how much it was driven and how often routine maintenance was done. If the owner doesn’t know this and doesn’t have records, I’d either take it to a mechanic before purchasing or keep looking.
We are thinking of buying a 40 ft. extended stay model by Jayco(40bhs I think the model is). it has a full size refridgerator and range which we thought would be better suited for keeping my two boys fed. But like you said bigger not always better. My wife and I have been camping all our lives. and are in our second RV since we have been Married(10 years). We currently have a 2007 Springdale 27′ with one slide.
I see someone asked a similar question, but maybe you just missed it. My girlfriend and I are nurses and we’re about to travel. We’re thinking an RV is the right move for us and I’m trying to figure out what its going to cost. We don’t have much money saved for something like this, we pay student loans of course! It appears you’re not financing your RV, is this the case or do you keep your payment to yourselves? I just dont know if its crazy to think that people are financing say, a 150k RV over 10 years at 1500 a month. Is this what a reasonable couple does? Or is that wacky?
I do not use a cell phone, I use Skype with an incoming # or Google. Fuel & Propane for the truck and the Camper: 1,750$, Licence and registration in Qc : 235$ Repair: under warranty ± 200$ for oil change… and 2,500$ of Campgrounds (incl.: WiFi and services) and State Park sites. Lots of boon-docking as well with free WiFi. Count a 1000$ for misc expenses and it’s about it.
Further, the outdoor and active lifestyle means lots of hikes through mountains and ball chasing on beaches. Nothing brought Ella (and us!) more joy than ripping around sandy beaches in San Diego, Nova Scotia, and everywhere in between. Lastly, the purchase of a relatively cheap pet camera helped alleviate the fear of leaving them in the RV park alone. It allows for monitoring them on our phones while we’re out and about for a few hours on our own.
I’ve just found you, and I’m soaking in all this information. Thank you. Do have advice for a single woman in her 60’s thinking about full timing for a while? I’m retiring and don’t know yet where I want to live. So considering traveling around for a while to find the right place. No experience yet with driving or living in an rv… Yikes! Help? 🙂 Thanks!
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.
The key to maintaining a comfortable full-time RVing lifestyle is how they plan to earn money on the road. If they have an online business, then they are in luck, as it is very easy to run an online business from your RV. I easily run our website while traveling for several months in our RV. In some cases, I am sitting by a pool with my laptop and an adult beverage, writing articles and answering Rving questions and uploading them Everything-About-RVing.com.
Things really are thieves of time! I have always enjoyed removing clutter and simplifying aspects of my life, but never have I gone to the extremes we did when preparing to move into our Moyerhome. I have noticed over the past two years that we really don’t need as many things as we think we do and that having lots of stuff gets in the way of getting
So I’ve noticed you folks had 3 different motorhomes, with the last one I saw was a Fleetwood Excursion, I didn’t get its name? So I was wondering what the thought process was for the changes? I’m playing with the idea of going to a fulltime status, selling my house, divorcing, and having ten more years of work, what RV will be best for ME. I’m a avid outdoors person with a custom built jeep and motorcycle. I first thought just get a Gas RV to use, pay cash for a used one. But now I’m thinking maybe get something to have for twenty years, make payments for the Home Owner tax benefit, and a strong RV? When I retire I would be in Alaska, Colorado, Wyoming, Washington, western U.S outdoor living. I was looking to hear your feeling would be?
There is an RV ready to match your dream. Use your vacation RV trips to test different rigs. If you are visiting off-the-beaten-track tourist nooks and wilderness sites a more maneuverable RV could be preferable to a motorcoach. Or your dream RV just may not have as much room as you need to live on the road full time comfortably. Be honest with yourself up front and you will save yourself the hassle of trading up or down in your first few years untethered from a home base.
There are going to be plenty of days when things don’t go as planned. You’ll run over the fire-pit grate and pop a tire while racing to get out of a campsite before checkout. You’ll stumble into a darkened shower stall at a state park, only to realize you’re sharing it with a wolf spider the size of a tarantula and dozens of centipedes the size of your palm. Your GPS will mistakenly steer you into a major downtown area with streets so narrow you have mere inches between your trailer and the other cars.
Capital depreciation is an important consideration because the years go by and you eventually pay for the value in your RV that has been lost over time. That shouldn’t keep you from getting a brand new rig if you can afford it, but it does have to be part of the overall financial assessment of the costs of going full-time. You can see the rigs we chose here. I’ve written an outline of things to take into account when choosing an RV for full-timing here. I recommend starting with a cheap and small RV to practice and learn on here. I’ve got some notes about the thing I think is most important in a full-time RV — the carrying capacity — here.
We have a family HSA Bronze plan that we purchase through the Healthcare Marketplace, with a ridiculously high $13,800 deductible (but includes some preventative stuff and provider co-pays) with an included network that is fairly nationwide. For 2018 we’re sticking with our ‘on exchange’ Florida based EPO plan with BlueCross BlueShield that give us national access to their BlueSelect network. We don’t claim any subsidies, but being on exchange keeps the option open to claim them at the end of the year if we qualify (our income varies).
Nina – another great post! This is the first winter that we have spent (prior two winters spent in Florida) traveling in the West, and we are finding that there are many more opportunities to manage camping costs out here, as compared to the east cost. In general, RV site costs in Florida and Georgia, are a bit more expensive than Arizona, New Mexico, Texas. We (like you and Paul) have a large RV, and have found a lot more public campgrounds and public land in the West, that we can fit in. In Florida, state park reservations can be hard to get, and many of the campgrounds primarily have smaller sites (at least this was our experience).
In the summertime, the opposite is true as we try to avoid having our windows facing the sun. Our best orientation in the summertime is for the truck to be headed northwest. This way, although we get blasted with some sun in the morning, our biggest windows are blissfully shaded during the long hours of blazing hot sun as it shines from the south and sets in the northwest.
Not only are many golf courses open year-round in parts of Vancouver Island and the Lower Mainland, but ski hills are also easily accessible, so you can golf in the morning and ski in the afternoon. Water sports like kayaking can be done year round with the proper equipment and safety gear. Of course most locations have the popular activities of curling, bowling or educational programs, card clubs and craft projects, etc. There will never be a lack of things to do. By following a few little recommendations and using common sense it is entirely possible to live in your RV in the cold winter months quite comfortably. Give it a try. We survived; you will too.
So I am curious. Why can you talk about the cost of the RV? You mention you aren’t allowed to discuss the cost of the Windy, and you only suggest you are leasing the new one. My concern is that it may be false representation of the life style. I am sure many people would like to do what you do and can. However, not many people under 30 years of age can drive around in a 200K RV doing what you are doing. I tend to think the RV’s are discounted to you or even loaned to you as part of financial agreements with companies you work for. If this is true, this isn’t something the average person can do. Can you please be more transparent if you are in fact trying to promote this life style. (I am not trying to be a hater, i just want to better understand how you are doing this).
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.
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.
I think it’s important for any couple to purchase an RV that fits comfortably in their monthly budget. You need to consider the monthly RV payment, insurance, fuel, maintenance, repairs, general upkeep, campground fees—and still have money left for other day-to-day expenses and discretionary spending. In most situations your first RV won’t be your last RV, so it is practical to find an affordable RV that won’t break the bank, as the old saying goes.
My VA business focuses on providing social media, blogging, and email marketing support for small businesses and my husband is now coming on board to focus on web design and SEO work. Outside of that, we continue to work on monetizing our travel blog and using our blog as a way to encourage other families to travel more and to also live their dreams now!
Regular hose, however, was not recommended by the heat tape manufacturer, which clearly specified metal or plastic water pipe. A hose was not a water pipe. Perhaps it wouldn’t work as well. Or perhaps it would degrade the hose and cause problems. I could imagine being poisoned by the breakdown of chemicals in my hose. (Seriously: I have a pretty good imagination sometimes.)
They’ve been on the road a while w/ their 2 kids and have both workamped & home-schooled during that time. Really nice family and I have no doubt they can put you in touch w/ others on the road. They just ordered a new rig too. I also like the NuRver group on Facebook…lots of young folks on there and several families too. Also recommend this resource Fulltime Families -> all about folks who live fulltime w/ their families on the road.
Life as a suburbanite isn’t all bad. Like most of life, it’s a matter of perspective and attitude. I’m slowly incorporating things that I used to enjoy about being in one place like going to libraries and getting in my favorite cashier’s line at the grocery store. <== I’m obviously the life of the paaartay. Simple things that I didn’t realize I missed. I’m an introvert and homebody so it’s hard for me to get out and meet people but it’s happening. Slowly.
Some of my neighbors go all out with the skirting by building complete frames out of 1x1s and attaching the foam board with plastic pop rivets. Others only make a frame to attach the bottom of foam. Personally, I find the board when taped together with aluminum duct tape is sufficient. Because the insulation will have gaps at the bottom due to the uneveness of the ground, I use expanding foam from a can to complete the seal. The foam also helps to stabilize the board against the wind and snow.
Below is the breakdown of our costs, 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.$2,137 Groceries, housewares and booze – Costco still being the largest ($1,088) also includes Whole Foods, Target, Trader Joes, TJ Maxx (we get some of our specialty foods here) Wal-Mart (for RV supplies), local natural grocery stores, and Cash at Farmer’s Markets.
There are a host of insurance decisions to be made when living on the road, among them accidents, thefts and illnesses. Study the many discounts and options before you leave and you should only need to put yourself through the process once. Two coverages are essential: for the replacement value of your RV should it be damaged or stolen and for personal belongings, much like homeowners insurance. There are many insurers and levels of coverage – select wisely for the insurance to suit your intended lifestyle. Medical insurance is also offered specifically for full-timers.
Your post regarding the expenses is exactly what I want to know. Thank you so much for sharing. I have one more year before I retire and the plan is to sell the house and get rid of as much stuff as possible. My husband and I will be living on 2 social security checks, 1 pension check and our 401k savings. We still need to sit down and crunch the numbers. I’m thinking like one of your other responders that I am hoping it will be cheaper living and traveling in a motorhome than a house that comes along with a mortgage, taxes, maintenance and heating, electric and water. We were also thinking we would need a 36’+ motorhome but are also rethinking much smaller and of course used. Thanks again for all of your info it is most appreciated and good luck with your downsizing and continued travels!
Enjoy your thoughts and insight. BUT…..(yes, I’m a BUT gal), you obviously have plenty of finances w/cushion should you have unexpected expenses on the road. It is not so “go for it” when one is a BABYBOOMER, widowed Gal, whose main income is Social Security ($1500). It gets tricky. I’ve lived from Tokyo to Stockholm and all over the USA. Full timed a while crossing the country 12 times. Currently stuck in South Texas and loathe it. (formerly resided in Las Vegas, Beverly Hills, Miami, Honolulu, Tokyo and Palm Springs – the total opposite of anything in Texas. It’s a long sstory.) So, tell me where should I begin? I’m thinking New Mexico or north Arizona. Avoid DRUG TRAFFIC is an obvious concern; yet, too isolated places are risky ALONE for a petite gal. Not interested in mid-west/east coast: been there done that. Need SUN. That limits much of the US. Any advice or introspection welcome. Guess it’s a future choice of in the “rocking chair or on the road”.
Legally you must carry chains to drive many mountain passes during snow storms (especially in California). If you don’t have chains on board and you get busted it’s a hefty fine. We’ve spent winters all over the states, and fortunately we’ve never had to put our chains on. Of course we watch the weather religiously before we plan to drive anywhere. If you’re flexible like we are and you know a storm is coming you have 2 options: 1. Bust out of there ASAP before the snow or 2. welcome the snow with open arms and extend your campground reservation a couple more days.
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.
If at all possible, buy well before you plan to embark on your trip, and spend some time in it on short weekend trips and vacations. An even better option, especially if you were overseas like we were, is to rent an RV for a vacation. Even consider doing it more than once if you can. Just remember that living in it and vacationing in it are two very different things.
Small electric space heaters are an excellent way to conserve propane burn and provide added warmth to the areas occupied during the day and evening. Be careful to purchase only brand-name, heavy duty space heaters with undamaged electrical cords. Adding a small space heater to the lavatory will help keep the black tank from freezing and is a nice addition for people coming out of the shower.
Even after bidding goodbye to your physical address you will still need to establish a permanent legal address for such dreary souvenirs of your former homebound life as driver’s licenses, vehicle inspections, voting registration and bank accounts. There are 50 different sets of rules and regulations and your home state may not be the most accommodating to a nomadic lifestyle. Among the options to consider are taxes, insurance rates, and efficiency of mail forwarding. Three of the most popular domicile states for full-time RVers are South Dakota, Texas and Florida.
We were city dwellers before heading out on this never-ending trip. We drove daily to work in big cities like Dallas and the area around New York City (for her part, Kerensa will readily admit she took public transportation daily in NYC and was already out of practice). Doing it in a car is one thing, but in a motorhome is an altogether different experience. Cars tend to zip around you and most people don't realize how long it takes for an RV to stop. It can be a little nervewracking. To combat this, we try to avoid rush hour and may take alternate routes. PSA: Don't cut off an RV in traffic. You may think you're jumping ahead, but you may be dooming yourself to being rear-ended by something 5 times your size.