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
4. Be comfortable with minimalist living. If ever there was a lifestyle that demanded a downsizing of material possessions, full time RV living is definitely it. You must be able to decide exactly which clothing items you can’t live without and get rid of the rest. The same goes for furniture, dishes, electronic gadgets, hobby items and a lot more. You could have a yard sale to get rid of the excess. You could sell on eBay or give items away to charity or friends and family. You might even decide that you’re not ready to completely rid yourself of everything and put some items in storage. However, if the latter holds true, then it could be possible that you aren’t truly ready for a full time RV lifestyle.
No one knows what the future holds and where we will be in 1 year or 10 years, but I know for us that this yearning for a life outside of the norm isn’t going totally go away. I am sure it will ebb and change and flow as the years go on and we all get older, but now that we have awakened this feeling inside ourselves, I don’t think it will ever be silenced again!
Induction Cook Top – Campground fees almost always include your electricity so it makes sense to use electric appliances when possible and conserve your propane. This is why we regularly use an induction cook top. Another benefit is that it frees up another burner if you are cooking multiple dishes. Our induction cook top has held up well but if you are looking for something a little fancier with a little more wattage there is this one. Note: You must use cookware (I’m eyeing this set.) made out of magnetic-based metal to work with induction cook tops. Induction cook tops make great gifts especially for the very utilitarian RVers.
Hello I am considering hitting the road now that we are bill-less. Tell me how do you have a permanent address? For your drivers licenses, tabs and things like that. I ask this because I will be traveling with my special needs child and I will need monthly supplies wherever we are at. I have gotten most everything on line now but supplies are are different matter. Do you think I will be restricted in our travels? If we get to travel at all? I am also getting a 40′ because I can’t do it in anything smaller, not that I have a lot of stuff but because of what I need. I have lived in a 37′ fifth wheel when we were younger and we both loved it, had it for 4 years of living. I am going motor home this time around. I have done a lot of research on it and although there aren’t very many parks that can handle 40′, more and more are popping up. I found your postings just today and sucked up most everything. Your blogs also confirmed my research and also made me aware of things that I did not know. Even if I can’t travel because of this, I will still be buying a motor home for us to live in. Please be blunt if you choose to respond on whether you think I should or not do the travel part. Thank you.
If water freezes in your lines, you're in for a bad winter. Full time RVing requires you to prioritize your plumbing in a way that you might not otherwise consider. Your city water hookup may need to be insulated and wrapped in electrical heat tape. Fresh water tank will need to be filled and emptied every day so it doesn't have a chance to freeze overnight, you don't have to top it off though. If you want to reduce your work on your plumbing, you can find RV tank heaters which can keep everything from freezing up under your RV. For your black tank, you might want to consider swapping your traditional sewage hose out for a semi-permanent PVC fixture, as long as it's at an appropriate slope your waste will drain right down without a chance to collect and freeze up the works.
Found your blog and read through mean replies. very very helpful. My wife and I are 55 and getting ready to dive into the full time RV thing. We are having a hard time making our decision based on the future of fixed income. we live on a lake in Minnesota. it is very quite and offers boating and fishing with a wooded camping feel. we’re crazy to do this right!
My husband and I are considering fulltime rving. I have been reading different blogs and how to start and all. I am wondering on jobs. Unfortunatly we are not independently wealth and still have not won the lottery. Our thought is to travel to area work for month or two and then move on. Do you have any suggestions on jobs or really good website for that info. We are at a point in out lives we just want to go and see the world why wait until its to late. We are young and ready to go just have to take that leap.
I am hoping you can answer some questions for us with what we will need. I have already started a budget based on your article and answers to questions above. Our goal is to raise the funds through private, like-minded products/corporate sponsorship. What we would love is some advice about where to start with purchasing an RV. We need some way – even if it is a small motorbike to get around once with visit each town. Also – we are open to a trailer and truck combo…just not sure what you’d recommend. We are leaning towards a decent looking RV (if we can raise the funds) so there is a level of professionalism with the tour and because we would like to make that our home after the tour is over to continue our teaching on the road. If we don’t raise too much, we may need other options.
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.
Awesome list, and we pretty much discovered each of these too! Well, we actually never realized how easy it is to find great campgrounds, so that one’s off our list (wish we had known about that website!). And even though our fridge was in our slide, we didn’t have any problems with it (but maybe that’s because we sold it before the issues could emerge?). But other than those, I feel ya. 🙂
My wife and I are joyously offloading our excess stuff (which is pretty much all of it…) in preparation for selling our FL waterfront home and hitting the road next year. We love what you do here and find the information you provide to be absolutely priceless. We are successful creatives who will continue to work our business while on the road, and we have no intention of eating twigs and nuts topped with cat food just to save a few pennies. People are curious and questioning because your lives are interesting, but please don’t let a few self appointed “lifestyle Nazis” get to you – unfortunately whenever you put yourself out there they always come crawling out from under their rocks. Just remember that for every one of them there are a thousand of us fans who know how hard you work, celebrate your success and hope to meet you someday when we both are enjoying a fabulous dinner at some legendary local restaurant. Cheers!
Wow. The lots in SW Florida must be insanely high. We have brand new real nice RV Parks in East Texas with carports, storage buildings etc. that will only cost you about $350 per month. And there are several pretty good parks coming in at $250 around here. You might consider East Texas a few months a year just to pocket some serious cash. My wife and I have talked about this kind of living on and off for a while. Our expenses living in a duplex is about $400 less than yours right now. And our utilities are $350-$400 a month. But, we are considering trying to purchase a lot instead of traveling around. That’s great freedom. Kudos! I worked for 11 years in the corporate world. I never did find a company that brought into the telecommute thing for more than 2-3 days at a time without coming into the office.
I have raised 5 sons,and paid for two farms and have brought our twin sons in with us when we built a new barn housing 150 plus dairy cattle .Gardening and raising cattle and kids is time consuming and must be home every am and pm unless you can find some one to do the chores. That is one reason I would like to go off grid.. a little simpler life. I am sure our Grandchildren wouldn’t mind and I think it would do them all good to do the simpler way of life. (all 10 of them, ranging from 20yrs to 2 months)
The Dallas-Fort Worth area offers a wide variety of accommodations, including trailer and RV parks. Area mobile home and RV businesses provide year-round sites, with full hookups and daily, weekly, monthly and annual rates. You can find a wide range of sports and activities centers for fitness and relaxation, such as golf courses, day spas and tennis facilities. The humid, subtropical climate in the area often provides pleasant weather for enjoying outdoor activities at local parks and lakes.
I’m glad you found our website, Mary. Better late than never! The Patriot Act became law in 2001, six years before we started full-timing, so it has been in effect the whole time we’ve been on the road. We’ve opened well over a dozen banking and other financial accounts, bought and sold several major assets, and obtained vehicle insurance from several sources. So, it can be done. Persistence is the name of the game. Keep asking for a supervisor until you reach someone who understands that your mail forwarding address is your legal mailing address and that you have no other address, period.
Well, Caroline, I’m certainly no financial advisor, so take that into account. Would your house sell for $23,000? With that, you could probably get a decent, used Class C RV, or possibly a decent used trailer + used truck to pull it. However, it would be tight quite honestly and if I were actually going to recommend something to you specifically, given that you’re on a fixed income, I would just make sure you do your due diligence. Used trailers especially, can require a lot of maintenance. Used RVs can too, but something about trailers, it just seems like they’re either not built as well, or maybe their frames aren’t as solid, so things are constantly breaking. On a fixed income, it may become daunting to be able to save some of your money every month for a “just in case” fund say, if your fridge needed repaired or your water lines froze or something even more major happened.
Hi I was reading the comments and noticed you decided to hit the road. It was a few years ago I know but wondering how it went? I’m a single woman and will be traveling alone. I’m scared but what scares me more is not following my dream of seeing the world. I mean I don’t know what will happen and it does concern me. If I’m traveling and get sick where do I go if my medical Insurance is in la county. I have so much to learn.
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?
Wow!!!! have I ever enjoyed your written article,I will tell you you have a gift of writing.stay at it and enjoy your life style ,not too many folks have the kahoonas to do it ,me included, I do build some awesome custom traveling campers &wagons of Aluminum,spray foam sip insulated,wood facade rustic looking,lightweight . My product we call Woolywagons & Woolycabins. We also welcome tiny house dwellers here at our woodsy central Indiana lazyaa B&B Guest Ranch home of the Woolywagons custom built RVs I am 62 and love building and people and traveling with my horse.I have done some whitewater canoeing but Man you are one radical kayaker too too cool If ever in Indiana I would sure appreciate chewing the fat with you at our campfire.This invite is good for all of you
I am currently 57 and my husband is 62, we are planning to work 5 more years then sell the house along with most of our belongings and hit the road in our 30 foot Windjammer travel trailer. I am excited, but terrified and a little overwhelmed by insurance, mail, making reservations, internet, weather, how to pack, etc. Over 40 years of accumulating things (stuff) – I’m not even sure what to put into storage. We want to be debt free and explore our beautiful country and do alot of fishing. Your information and everyone else’s feedback has been so helpful.
My fiance and I LOVE your channel, and identify with you guys a lot. Many of our decisions are different than yours but due to different circumstances (our skills, our work, our location/weather, our priorities.) We are about 1 year behind you on our journey. Many of our decisions are also quite similar. We see your thought process and your attitude and think you have all the ingredients for success.
After reading their story, if starting a blog is something you are interested in we put together a step-by-step tutorial for you. Like Heath and Alyssa, we have discovered that starting your own business, like a blog, can lead to a TON of freedom in life. If you have the desire to live in an RV and travel full time starting a blog should be one of your top priorities.
Bottom line: In my opinion most folks will be able to live this lifestyle on around $2500-$3500/mo. If you have a smaller budget look to save up-front by buying a smaller rig as well as curbing camping & driving costs (once you’re on the road). If you have a larger budget, go ahead and splurge on a bigger rig and more park/driving/entertainment fees. It’s all within the realm of possibility.
There are other flexible costs which are smaller than these two, but can also be managed to match your individual needs. This includes things such as groceries, entertainment, electronics, gifts and clothing. In our case we spend about the same on groceries as we did before we hit the road (we love our food), somewhat less on entertainment and electronics, and way, way less on clothing (we don’t need much of a wardrobe on the road!).
1980s Vanagons can go for quite a few dollars. I recently met a guy who bought a decent one, with the Westy camper and all, for $4000, and he’s in Texas. If you look out west, though, prices are typically higher as those vans are in high demand. A search on Craigslist in Bend shows them going from $3000 – $30,000. The latter is insane, but I believe people get that much for a well maintained, running vanagon with a camper. Still, it’s insane.
$600 RV Camping – The largest savings compared to our 2011 expenses. The main reason for the change in camping fees: We’ve stayed at several parks that have comped our stay and paid us to shoot a video on their parks. It’s not great money, but it’s saving us money and helping us pay some bills while extending our travels on the road. We haven’t shared many of the campground videos on our site yet, but we’ve just launched a new tab aptly named campgrounds. You’ll find the videos to be pretty happy since we were paid to shoot the parks, but in the text you’ll find our personal take on these RV Resorts (not all the reviews are paid, and we won’t lie and tell you a place is great when clearly it’s a piece of crap). Also we’ve saved lots of money by Driveway Surfing at our follower’s homes; and special thanks to my mom for fitting the bill when she joined us in Montreal Canada.
My first winter after living in the COMET for the summer and fall, I rented a TINY 50 square foot closet under the stairs in a collective house/commune and lived there over the winter. Yep, just like Harry Potter. It was less than $100/month and included communal meals and utilities/basic living supplies like soap and toilet paper (bulk items, basically).
These kinds of campground membership programs are a complicated, and the companies change the rules as their profitability and growth plan requires. It is best to book your stays 90 days or more in advance and there may also be a complex set of rules to follow regarding staying within the network and outside of it. Sometimes an alternative campground network is offered so you have somewhere similar to stay when it is time for you to stay outside your home network. Two we’ve heard of are Resorts of Distinction and Adventure Outdoor Resorts given as the alternative networks.
Most RV parks have wifi, but the speed is slow and it might make you want to pull your hair out. If you’re going to be working out of your RV full-time, I would highly recommend investing in a cell booster that amplifies your sign signal. A cell booster will amplify your signal while camping in places with low signal. We use the WeBoost cell booster (affiliate link) and it makes a huge difference in allowing us to get internet in remote places.
When I travel on a 6-8 week roadtrip with two people, my expenses average about $100/day. That includes food, fuel, and lodging. I drive a lot (20,000 miles/ yr), so my expenses are high. When I stay at an RV park in FL for the winter, my expenses are lower because I have little to any fuel expenses. Lots of RVers spend less than I do because they drive fewer miles and often do free camping on Federal land. Also, some don’t include food expenses because those expenses would be the same if they didn’t do RV travel.
I can go on for hours, but ultimately I can’t wrap my head around the fact I am going to pay rent for another year and get nothing in return in the long run. It seems like a waste of money. What are your thoughts? Is it possible to find a van in that state? Any aspect of van dwelling that you think might not mix well with the college environment? Am I a crazy 21 year old with far off ambitions?
Winters are long and dark in Alaska. I’m not a TV lovin’ person, but it is pretty nice to get a nice fire going, make a cup of hot tea, and watch a movie. The new mini-flat screens are pretty nice and they’re actually reasonably priced (I bought my for a little under $100 w/ the shipping from the lower 48). Make sure to get an L.E.D. and not an L.C.D. The LCD (Liquid Crystal) will freeze in cold temperatures and you might ruin the TV. The LED TVs are made of LED lights, so there is nothing to really freeze. The 19” screen seems to be about perfect for my small home.
Steven wanted to go on the road for years, but Joyce said she wouldn’t do it unless he made her a home office where she could write a book. Steven gutted the little room in the RV that had a bunk bed and turned it into an office for Joyce that even has a sliding door. Together they remodeled much of the interior, adding sunflowers, a reminder of Joyce’s home state of Kansas, and their RV has a washer and dryer.
We’ve had a Class C (without a tow vehicle, we just used bikes) and it was a pain if we had to drive somewhere for groceries, etc. so we were always looking for RV parks near towns and public transportation. Having a little car to tow along would be easier in those situations, but we don’t personally particularly love the whole hitching up process. When we lived in our Airstream + Ford E-350 combo, it was convenient to have the van and Airstream as separate things (I could work while the family went somewhere for the day, etc.) but again…I hate hitching up and down.
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.
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.
$648 Miscellaneous – Magazines for the Nook ($25), Stock Music for videos ($70), Shipping charges for mailing random stuff ($72 – Don’t ask me what I mailed, but it added up), Movie Theater *we went to 2 movies in 5 months ($24), Home Improvement Stores ($173), REI Outdoor specialty items ($63), Parking and Tolls ($85), half day boat rental for the family in Lake Havasu ($136). Also I’ve stopped putting propane as a line item since we really don’t spend much on this; in fact we didn’t even fill our propane in this 5 month period.
Vehicle fuel – If you have a towable, you will need to estimate fuel for “moving days.” This can vary greatly depending on how often and how far you move. Our first year we came up with a rough itinerary with total mileage and an average cost of fuel per mile. In addition, for both tow and towed vehicles, you will need to budget for fuel in the local area.
On the other hand, buying used can save you a significant amount of money, and with some good negotiation strategies, you can get a great deal. Many people who decide to travel full-time fall in love with the lifestyle and end up living on the road permanently. Others jump in and realize that this way of life isn’t for them – after they’ve invested a lot of money into a brand-new rig that quickly depreciates.
It’s funny that several of the blogs I’ve come across with budgets have talked about judgment on expenses and what a commenter feel is an excessive expense. Everyone has priorities in their lives and budgets. I’m sure if you looked into the finances of these commenters, you could find spending that you may think is excessive to you, but to them it’s a necessity. People need to LIGHTEN UP! 🙂
While part-time RVers may love “Home is where you part it” yard signs, cute camper trinkets, and adorable awning lights, the full-time RVer may be less enthusiastic about such gifts. The simple reason most full time RVers are concerned about space and weight and only carry what they really need or love. When your RV is your home, it forces you to be very selective about your belongings. Ask your favorite RVers if there is anything that they need or if you are unsure stick with gift cards or consumables. Please don’t gift your full-time RVing friend or family member large bulky items without asking first. If you really must purchase them a large gift that you think will be just perfect, buy it from a nationwide chain store and include a gift receipt. It’s not that full timers aren’t appreciative, it’s just the reality of living in a small mobile space!
2017 Udpate – TOTALLY. Since that original “crazy” year on the road we’ve enjoyed a much more relaxed pace of travel (you can see all our travel maps HERE -> we average just over ~5,000 miles/year) and it’s made everything SO much better. For us this is a lifestyle, not a vacation and taking the time to enjoy each spot has made it a deeper, richer (and more enjoyable) experience for both of us.
My family and I are really contiplating this in the next month. My husband is a general contractor and I just had my 3rd baby, we have a 6 year old, 2, & 4 month. What kind of homeschooling do you use? I sold my salon and I’ve been looking into working from online especially if we do decide to travel the country. Any tips would be great, ty for this blog!
It’s okay to start small and work your way up. Before we married, my husband suggested living in a camper and building a house with cash. I didn’t like the idea so I said no, and he respected that. If I had changed my attitude toward alternative living then, we might have had a house right now with no debt attached, nor foreclosure in our past. Attitude is everything!
You can put reflective foil house wrap over RV. You don’t have to remove your exterior siding. You just have to put furring strips over the house wrap and put another layer of exterior siding. I have seen pictures of people making a RV cover out of reflective bubble foil for their motor homes but that would work if you are parked in one place for a while. Another thing that would help with the loss of heat would be to have spray foam insulation applied to the bottom of your RV since you are not skirting it. Also, you should look into 3M window shrink film. It’s a great low budge solution for single paned windows.
National and State Parks – These are often “no frills,” but found in amazing natural locations. We’ve stayed at some rather rustic ones with power, water, and maybe one old bathhouse, as well as some with full hook ups, large sites, and recreation areas with tons of activities. The cost for these will also vary, but are typically much lower than the resort campgrounds. Some can be very difficult to get a reservation because they are in such high demand. For example, Florida State Parks allow you to reserve up to 11 months in advance and many book as soon as that window opens. They can range from $15 to $48 per night.
A suggestions to lower your costs. 1. Passport America 50% camping and/or America the Beautiful Pass. We average about $8-$10 a night camping at these parks, while camping in some of the most beautiful locations. As well as hitting many free camping locations. State parks can be obscenely cheap and nice. 2. Plenty of farmers markets on the east coast, you just have to look for them as many of them are in small towns outside the cities you have traveled to. 3. I forget the name right now, maybe one of the other Rvers can chime in, but there is an alternative to Verizon that uses Verizon infrastructure that gives you unlimited phone and internet. We don’t full time right now so it’s not a concern. 4. Stay longer which lowers your fuel and camping fees. 5. REWARD POINTS, pay with everything with a rewards credit card.
Sounds like a good time to leave, right? Well yes, but meanwhile back at the sites, we were all living on a glacier. The gravel roads in the campground were seldom plowed – just sanded. Since we were located at the top of a mountain, the sun would melt the snow and ice a bit on sunny days and then it would freeze each night. Add some snow, sleet and freezing rain now and then.
We use a similar method for personal hygiene. Wet wipes can take care of most basic hand and body cleaning. A bathroom sink full of water can be used multiple times before it goes into the waste tank. If the park where you are staying has shower facilities available, make use of them. If they don’t you may take what my mother called “possible baths”. You wash down as far as possible, then wash up as far as possible and leave ‘possible’ for another time. When you do use the shower in your RV, wet down, turn off the water, lather up, turn water on to rinse. Here is a video I found that shows another way to shower using a 2 liter bottle.
The answer to this question will vary greatly depending on your RV lifestyle and choices. It really is a highly individual thing. We like full hook-up campsites which cost a bit more. On the other hand, we like to travel slowly staying in an area for at least a month, which costs quite a bit less. In this article, we discuss the typical budget line items. Also at the bottom of the article, we’ll share our average monthly budget expenses.
My husband is possibly getting us transferred to Winnipeg, MB, Canada in the next couple months. Being that he’s never set foot in Canada and I am a sand person – not a snow person, we thought we would sell our house in Indiana, buy a fifth wheel and find a year-round place or campground to park, near his work. I said if it doesn’t work out, we’ll pack up and head straight for Florida (or someplace warm at least).
Public campgrounds: State, federal, county, city, etc. parks can range from $5-50/night (some are even free!), but generally have a 14 day limit on them. Amenities can range from dry camping to full hook-ups with electric/water/sewer. We generally love public parks, as they offer larger sites, more privacy, great views and access to active things to do out in nature… we spend a lot of time in them.
• If you live a different RV lifestyle please share it in the comments section below, no topic is more important for travelers than spending/saving $$$. Tell us how much you travel and how much you spend on the road; obviously you don’t need to go into ridiculous amounts of detail like my long winded report, but give us the cliff’s notes.08/01/2012 – 12/31/2012
Hi Leslie, I am not a full-timer, yet, but I have something to add on your comments on type of RV. I have a towable, a trailer. It is not hard to tow and, I might add that if you go with a motorhome and toad, you are in fact, still towing only without the ability to back up – it just seems different. The challenge is backing of course. I have friends that started out with a trailer and went to a motorhome after being misled on an underpowered tow vehicle and wrecking their trailer.
Amy, we do shoot videos and photos along the way for pay that we don’t show on our blog; that is Jason’s chosen profession. As for me (nikki) I knew I would not be a makeup artist on the road. It’s impossible to do exactly what I did from the road. I was always on location for production/advertising work that would require me to be in a central location. So now, I market myself as on camera talent, writer and edit photos.
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.
With a little creativity you can find ways to make money while you travel. The possibilities here are endless, only limited by your abilities and imagination. With access to the Internet, many traditional jobs can be done remotely as you travel. Here are some possibilities but they are just to jump-start your thinking. There are many books and websites with a huge selection of ideas:
Emergency Fund – The most important part of savings is your emergency fund. Conventional wisdom suggests you should have at least six months of expenses in a savings account. I know a lot of people scoff at the idea of a traditional savings account where you might only earn 1% interest annually. However, if you think about it anything is better than earning 0%, or not having savings and going into credit card debt for emergencies, which will cost you 10% in interest or more.
Even for the rare folks who RV full-time with unlimited cash, getting by on less money becomes ingrained in the RV lifestyle. Tracking spending and working from a budget becomes second nature on the road. Before you head out get in the habit of logging daily spending on everything to learn where money goes. And check in with experienced RVers for advice – and get ready to write down ideas fast because every RVer has favorite tips to stretch dollars on the road.
We create a monthly budget. While many expenses are not monthly in nature (registration, insurance, maintenance, etc.), we choose to break them up into monthly line items for our budget, and put that amount into savings each month. This ensures we don’t come up short when the expense is due. For example, our RV and truck insurance is due twice a year. We divide the amount into six and that is what we put into savings each month.