My husband and I are planning to transition to full-time RV living in the next 2.5-4.5 years once our oldest kids graduate high school (youngest will come with us and homeschool). We are concerned our biggest expense will be self funded health insurance. In your financial reports you say you haven’t purchased health insurance. What about now that Obamacare penalizes you on your taxes? Have you still chosen not to purchase health insurance and take the penalty or have you found a more affordable option? We have some medical expenses so likely couldn’t go completely uninsured. Hubby is considering a remote work job with benefits for this reason but really we’d like to travel for 1 full year without huge work commitments then do something like seasonal park ranger half the year and travel the rest of the year. Any advice or insight in this area would be awesome! Thanks for sharing your financial information. It is very helpful!
Well I’m happy I could help alleviate some of that angst. You’ll be in great company out here -> lots of folks all doing this same RV thing, and I’d care to venture almost every one of them had some level of anxiety about it before they started. Just be open to the experience, and see where it takes you. Even if you end up not liking it, it’ll give you new and amazing experiences. Plus you will never have the regret of saying “I only wish I had tried it”.
Using your RV in the winter? Make sure you have a show shovel, window scraper and some kind of ice chipper (i.e. an axe). If you don't have these on hand, guess what? The first time out you will be sure to need them. Also pack a bag of rock salt (sand or kitty litter) to sprinkle on walkways and to put around your tires in the event you get stuck in snow or end up on slippery patches of ice.
Unless you're staying in an RV that's purpose built for extreme cold, your RV is probably lacking in insulation. Because of the way travel trailers and motorhomes are constructed, there are some perennial weak spots that RVers have to shore up to best insulate their homes. First, your windows are going to be more liability than asset in the winter. Glass lets heat escape easily, so you'll want to insulate your windows. Many RVers use styrofoam cut out into window sized blocks to shore up these weak spots, others go with plywood, as it's sturdier, but even a set of thermal curtains will help bolster your RVs insulation. Another problem spot for many full timers is the underside of the RV. Because of your ground clearance, the cold wind can whip right under your RV and steal precious heat, and cool the underside storage compartments to make it harder to heat your RV. Since you'll be in the same spot all season, it's a smart idea to build a skirt around the bottom of your RV to keep the wind out. Finally, RVs can get drafty after a few years when the seals start to break down, so find the problem spots where the cold is sneaking in and plug the holes!
Well, that depends on how long they want to full time. Let’s say the RV travel costs are $2,000 per month. That’s on top of whatever other costs they have (Insurance, repairs, clothing, cell phone, etc.). Then a person needs an income to support that level of spending for as long as they’ll be full-timing. If they want to try it for a couple of years, don’t want to work while traveling, and have no other source of income, then my guess is a couple needs around $100,000 saved up to live off.
Next was digging the trench across my driveway. Although I’m fortunate that there are very few rocks in my primary building site — which also made the septic system guy pretty happy — the driveway did have a layer of gravel over it. I had to dig through that gravel and into the softer dirt beneath it. Later, I had to shovel all that gravel back. Hard work!
When we say new, it's only new to us, but that's how we prefer it. Let someone else shake it down. After hemming and hawing over trading in our previous RV, we finally decided to go for it. We knew our old one was too big for us and we didn't want to invest in upgrades like solar when we didn't feel like it was ours. It was the right choice and we're very happy with our current set-up. We installed solar panels, so we didn't have to worry about the batteries overnight or running the generator twice a day like on our old coach. We have more options as to where to stay with our smaller size and off-grid capabilities and that makes us very happy. Now we just need to redo the interior a bit and it will be all ours.
For a period of time, we also had a gym membership to Planet Fitness. It cost $20/month and we had access to over 800 locations across the country. If you’re trying to stay in good shape while you’re traveling I would definitely suggest Planet Fitness. They typically have really nice facilities for showering and workouts, plus free massage chairs and tootsie rolls. Need I say more?
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.
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.
I have enjoyed reading your blog. Great ideas and information. My husband and I have just retired and sold our home! We will be heading out shortly…and are excited for the journey. The All stay app sounds like a key…would love to be included in the drawing. I can’t wait to show my husband your site…if he hasn’t seen it already! Thanks for sharing! Happy Trails!
In addition, we get to utilize the mortgage interest off our RV payment as a tax deduction (it’s a second mortgage if you have a bathroom—see IRS laws). Besides the memories we make starting from the moment we drive out of our driveway, we are making our money go further. That means more money for more vacations! In addition you will save even more money making your own meals on your travels. Can you say “Ca-ching!”
And beyond RVers, we have met many interesting people living all over this nation. We've watched artisans work their magic in New Orleans and listened to teachers in small towns describe what it's like teaching in a school of fewer than 10 students. Traveling has shown us different perspectives. Moving around the country, we realize that people are more alike than different. They all have their individual struggles and are just trying to get by the best way they can. What brings us together is a sense of community and we love to help foster that.
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.
Can you afford Fulltime Rving? Many people think it's an expensive lifestyle, and it can be if you buy a fancy motor-home, travel constantly, stay in all the best resorts, and eat out all the time. Many people enjoy Rving without breaking the bank though. There are very cost effective RVs available that can be considered when selecting an RV for full-timing. There are countless RV resorts that are beautiful and inexpensive. Consider your budget, and if will you continue to earn income or not.
I didn’t grow up thinking I would be an entrepreneur and it wasn’t a goal of mine until it was. Now that we have gone down this path it is empowering to see that we can make our own money. That we can set our own schedule, that we can sleep in on a Monday and work on a Sunday or really whenever we want to. The freedom is stressful, but also exciting!
Great info, We have been agonizing over what size rig to go with for over a year now. We have bounced back and forth between a 40′ Legacy and a 5th wheel but now after reading so many blogs as well as yours, to more than likely go with a Class C Itasca Navion which is 25’8″ and is built on the Sprinter chassis. Your blog really used us over the edge with your hindsight on smaller size. I always thought that a bigger rig would be better but now I am comfortable making that leap with a smaller rig. Thanks for the great info and Go Gators!!! Class of 85′
In a five year period, a brand new rig (that is, a motorhome/car combo or truck/trailer combo) will typically lose 30% to 50% of its value, and by the end of a decade it will be down to 25% to 40% of its original MSRP. The only way to know what the full-time RVing lifestyle really costs is to know both what you paid for your RV at the beginning and what you sold it for at the end. The difference, divided but the number of months you lived in it, is the true cost of ownership.
We started with the curriculum below but after about six months gave “unschooling” a try before going back to a more scheduled approach. I’m glad we tried unschooling but it didn’t work for us at that point in our lives or perhaps I just didn’t give it time. Another post all together. After our failed unschooling attempt, I added an additional writing program because I wasn’t thrilled with Sonlight or Rod and Staff’s writing components.
Some of the most beautiful times of year to visit the country are also the coldest. From snow-frosted mountains and icy lakes, the winter turns green trees and pastures to beautiful seas of white. The unfavorable weather conditions are a deterrent for fellow vacationers during these cold times. Why let the lower temperatures be the determining factor of when you take your camper out?
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.
Eating out – Many people like to sample local eateries when traveling. This is the one area that you have the greatest control over. The great thing about living and traveling in an RV is that you can always prepare your own meals. You have refrigeration and cooking appliances. I even prepare our own meals on travel days, and appreciate stopping at rest areas to eat in the comfort of our RV, rather than at fast food establishments.
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Most RVs aren't rated for extreme temperatures and most full-time RVs head to warmer climates during the coldest months. But what do you do when moving south isn't an option? There are a few improvements you can made to your RV to make it warm and comfortable and get you through the winter safely. Carolina Coach & Marine, serving Charlotte, Winston-Salem, and Greensboro, SC, wants to see you safely through the cold and ice, read below then visit our dealership for more help preparing your RV.
For this road trip we knew we would have to adjust our lifestyle a lot! We saved our money for years to take this trip across the US and we knew we’d have to be more frugal on the road (mainly because we wouldn’t be making much money during our travels).There are a few things we wont compromise on: We are passionate about supporting small local companies who are involved with the community. A restaurant that serves local farm fresh food or buying beer from a small local brewery, etc. Of course this lifestyle costs a little extra money, but for us it’s totally worth it. So here was our plan to live more frugally on the road: Eat out less, purchase less expensive beverages, shop less often, and camp off the cord as much as possible.Below is the breakdown of our expenses from our 2011 Trip across the Western Half of the USA. We’ve rounded the numbers to make it easier to calculate, but this gives us a general idea of what it cost to live on the Road in an RV.
From our experience, what ever you spend now (food, entertainment, shopping habits…) is probably what you will spend on the road. While our expenses are a little less on the road than when we had a sedentary life, it’s not drastically different, so don’t expect to save a ton of money unless you are going to be making some serious spending habit changes while traveling. We live a comfortable life on the road and we like it this way!
This RV was our first to take on a Winter adventure. This is where we learned most of our tips and tricks as we made the most mistakes with this RV. Really the number one thing we did was install skirting made from heavy duty vinyl fabric. We brought the skirting above the bay doors to help insulate the items in the bays. The biggest difference between the Damon Avanti and our Fleetwood Excursion is the basement. The Avanti is a Front Engine Diesel so there is no basement, so the tanks are exposed without skirting. The major benefit to this type of RV is once we skirt we simply put a space heater underneath the skirting and it kept most everything from freezing. All the basic other rules we’ve outlined apply with this RV as well.EXCEPT – we used a 60 watt light bulb inside a standard ‘hanging trouble light’ fixture to keep the wet bay warm. Over the process of 10 days the bulb eventually started to melt the plastic bay. This is why I do not use a light bulb anymore.The other difference is the RV Electric/Propane fridge – To keep cold air from seeping in we used duct tape to cover the vents located on the outside of the RV.
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.
Just like anything in life, you can’t please everyone and everyone doesn’t have the same amount of money Which makes this country great. In the US you can work hard and succeed. And those that don’t have nobody to blame but themselves and government that takes so much from those that do work hard. I just found your site and am hoping to find out the cost of going full timing. My hubby and I have no idea what the costs would be or how to determine how much we will need to live our life on the road. I’m hoping reading your site will give me more insight. What would be really nice is a book that gives a good idea what to expect. We have our unit already, after many tries I think we found the one that will serve us the best. If anyone knows of any books on this matter please let me know.
Neither of us knew anything about RVs. My parents and I lived in a small travel trailer off and on for three years when I was in elementary school, and Mark’s family lived in one for a few months while his dad was transferring jobs, Other than that, neither of us had spent any time in an RV since we were kids. While Mark had towed several big boats and U-hauls, neither one of us had ever towed even a small camper, let alone a king-sized RV like those you see on the roads today.
To let you know what kind of weather we’re preparing for in our RV, a typical winter day in this part of the country is below freezing at night and above freezing during the day. Usually we will get a couple of weeks each year where the high temperatures don’t get above freezing and the lows are close to zero, but we rarely get sub-zero temperatures. And although we usually get at least some snow and possibly ice, the snow doesn’t stay on the ground for more than a few days.
Living in an RV or any small space can have its challenges. The first year of full time RV life flew by in the blink of an eye. As we celebrate our three years of RVing, I want to share some tips that helped us survive the transition to RV living. Whether you’re a solo RVer, family of five or a couple with a dog, I hope you find these tips helpful.
We had been accustomed to a two car garage, and now got a new perspective on the task of shoveling the driveway. After one storm, the cars were just barely peaking through the drifted snow. We had to clear an area 40 feet long by 10 feet wide in order to pull the cars in and park them. Our efforts left us with a snow bank just about as long and wide, and about 8 feet high. The good news: our self-constructed snow bank served to block the wind. Well… sort of.
I hoarded propak fish transport lids from petsmart to insulate my rv windows. Tape them on the inside then stretched shipping plastic wrap to create a seal. I also used these lids to line my spigot well and water entry point. Hit up your petsmart on fridays or wednsdays when they get a fish shipment in and ask the manager if you can have them they just throw them away.
Stainless Steel Wine Glasses – When we hit the road in our RV, we brought along our wine glasses. It didn’t take long until they all broke and we were drinking wine out of mugs. We put these stainless steel glasses on our wish list but ended up just drinking from mugs because we are classy like that. These are the only things on the list that we don’t own but wish we did. (Ahem) We think these would make a great gift for RVers even part-time ones. 😉
a tip for those that may come upon a bear or timber wolf or large cat; carry a boat horn with you. you can get them at any boating outlet or cabellas or dicks. it’s pressurized and is very very loud. i put a lanyard on it and carry it around my neck. if a creature that can do me harm is within sight, I give it a blast or two and they hi-tail it out of there. it would be helpful in finding me as well if i were injured or lost.
You guys are terrific. Your details of showing your budget is incredibly helpful. Both with business info and now without (thanks to mean people) I love watching yalls videos. Been telling my wife about your adventures . I email her lots of rving videos and she watched the 2 bike Chicago videos and she is now hooked on watching your adventures. I have been talking full-time for 4 years, she kept saying no. Now she is quickly seeing what we could do fulltiming thanks to The Wynns. If ever in Houston Tx area yall can park on our back 1 acre with 110 plug, sorry no 30 or 50 amp. Better hurry tho, full-time might be coming next year for us. Fingers crossed. Thanks again for yalls openness and for sharing.
Anytime we had questions or were unsure of what to do, we turned to the internet. Or, we’d kindly approach a fellow RVer and ask for assistance. It’s amazing how friendly and generous other RVers are with their time and knowledge. In two years on the road, we’ve met some amazing people who have been more than willing to troubleshoot issues or lend a helping hand.
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!
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?
Electricity: If you plan on using a generator, check to see if yours has a winter setting, switch if necessary. Furnaces use considerable battery power to cycle off and on. If you're not plugged into power, you need a solar panel system or an inverter or some other method to keep your batteries fully charged. Look for winter camping spots that provide a good source of power. It avoids many other problems.
I came into life unexpectedly during my parent’s plans to fulltime in their 40’s. They elected to proceed with their aspirations with the condition of how I would adapt. In 1978, everything was sold and we left Missouri to “go west young man”. Over the next 10 years, we vastly traveled while Dad built banks. Every weekend was an adventure scoping out the gems the area(s) had to offer. Mom enrolled me in school at each location providing me social skills I would’ve not learned if home schooled. Almost in high school, they decided to retire and stabilize my education. Wow! What a culture shock! My most impressional years were spent in a 40′ fifth wheel, and then it all stopped.
$795 Cell Phone Expenses – Nikki is still on Verizon ($432) and I’m on AT&T ($363). We both have the bare minimum talk and text plan, with (grandfathered in) unlimited internet. Basically I’m throwing my money away 50% of the time because AT&T’s coverage outside of major cities is CRAP! My contract is up in January so I’ll probably switch over the Verizon (even though I’m going to lose my unlimited internet, yes….AT&T has been that bad). Doubt we’ll be able to save any money here, but at least I won’t be wasting money on a phone that doesn’t get reception.
Obviously, food is a point where budgets can vary widely by personal dietary preferences… but you’ll probably spend similarly to what you spend now, maybe a touch more. The biggest change is you may not have room to store bulk buys – so that could account for some increase. And you may be tempted to eat out a bit more while you’re traveling, mostly to sample local cuisines but sometimes just because it’s easier after a long day of driving, or cooking in a small space may be seem limiting.
First and foremost, not all RVs are ideal for full-timing. The most common types of RVs that full-timers use are Class A motorhomes (which can be powered by gas or diesel fuel), Class C Motorhomes, Fifth Wheel Trailers (including Toy-Haulers), and lastly, Travel Trailers. Truck Campers, Class B motorhomes, and Tent Trailers are not traditionally good choices for full-timers.
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.
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.
If the distribution center is too hard to get to, you can opt to have the package shipped to a UPS Store or FedEx/Kinko’s store or other shipping store like MailBoxes Etc. The store will likely charge you a fee, even if it is a UPS store and you are shipping via UPS or is a FedEx/Kinko’s and you are shipping via FedEx. We’ve seen the fee range from a flat fee of $3 whenever you pick it up to $7 per day, however these stores are more likely to hold the package longer than 5 days. So, check with the store before having something shipped to them to get the details and verify how they want the package to be addressed.
When we initially looked at internet solutions we knew we wanted a Verizon-based system since it was simply the best coverage out there (and our experience has proved that true). We ended up w/ a 2-year 5GB/mo contract which is a little tight for our needs. What we didn’t know was that you can get a Verizon-based coverage using no-contract resale partners such as Millenicom. It’s the same coverage, but simply without the contract! You can boost it just like any system out there too. Millenicom resells both Verizon and Sprint and they won’t/can’t tell you (directly) who they’re using, but you can easily narrow it down via the device (the Verizon-based contract is currently offered on the 20GB/mo deal using the Novatel U760 Device). For more info check the forums.
You might be wondering about what we did with the Littles during the eclipse. You aren’t alone. I spent a week worrying wondering about it because obviously I didn’t want them to lose their vision and by the barrage of eclipse safety in the media you would have thought the sun was a new phenomena. I have no idea how the entire world is not already blind. Anyway, the Littles don’t watch much television but this was one of those time when the benefits outweighed the waste of time. We set them up with a show, toys, and snacks in the RV while we enjoyed the eclipse right outside the door. It was a perfect set up because I didn’t have to worry about them trying to sneak a peek and I could micromanage remind my teens about staying safe without distraction. RVing for the win again!
In the event that there is a partial loss, like theft of just a few items, there are caps on what is covered. With National General, if the theft occurs inside your RV, then the cap is 25% of the total value of all the Personal Effects coverage that you carry. For example, if you have a $20,000 Personal Effects policy, then this means there is a cap of $5,000 per claim. If the theft occurs outside the RV but on your campsite, then the coverage is 10% of the total value of all the Personal Effects coverage that you carry. Again, for $20,000 total coverage, this means a cap of $2,000 per claim. There is no coverage if the theft occurs away from the RV (i.e, your bike is stolen from the bike rack at the coffee shop in town).
This includes both truck and full-time RV insurance for our 5th wheel trailer. We pay it annually, but the monthly cost is shown. If we had kept our Arizona home address, this line item would have been twice as much. There is more detailed info on the selection of a domicile (home address) and the implications that choice has on your vehicle insurance in the fulltiming section.
I was enlightened by the Tiny House movement. After researching into buying a tiny house and furnishing it, the cost was more than my regular sized 2 bedroom home. I then started looking at used RV’s, mainly 5th wheel Trailers and travel trailers. I found a decent used 5th Wheel with good bones, and bought it when my house sold. Prior to that, I spent 9 months selling off everything I owned and thought I needed. Everyone thought I was nuts. The kids where grown, the husband passed away, and it was just me and the cat. The banker suggested, I replace AC unit with a Heat and Air unit, battery, fridge…anything that was too old. My investment was $3900 for a 1996 Dutchman Aristocrat 27 ft. Back then they made them solid with good wood not chip board. Heat and Air Unit $850, Fridge (electric only) $150. I did quite a bit of water line insulation, because these units were not meant to live in cold weather.
Just read all your cool info about your visits to Cloudcroft, NM. Actually visited there many times as a kid when my dad was stationed at Holloman AFB. Lived in Alamogordo too. I remember the artesian wells, horseback riding and camping. Took my wife through Alamogordo many years ago on our way to live in LA. Can’t wait to do it again in an RV. Thanks for the trip down memory lane!
Serge, thanks for sharing your experience / expenses. This is the great thing about travel, it can truly be done on any budget. It’s all about your personal style and what your travel goal is. We are living an affordable luxury lifestyle now but when we transfer to the sail boat in 2014 we are going to try out a super slim buget. It’s going to be all about living off the land (or mostly water). Thanks again for sharing!
Having cabinets above head level: Continuing with the Hobbit theme, I'd love to make it through one day without banging my head on some part of the RV. Sometimes I feel like I should wear a helmet while walking around inside. From the bathroom cabinet to the front area where the TV is located, I've made cranial contact with all of it hard enough to see stars. Not exactly fun.
For detailed National Forest campsite info check out forestcamping.com where Fred and Suzi Dow have catalogued virtually all of the US National Forests and National Grasslands campgrounds and have detailed info on the campgrounds that are suited to RVs. The info on their website is free. If you want to have the same info for reference when internet is not available there is a very reasonable charge for downloading their regional guides, We have found their info to be extremely helpful for both long range planning as well as last minute searches. We love National Forest camping but many of the older campgrounds are not suitable for our 37 foot DP. Having their downloaded info has saved us a lot of frustration.
Ya’ll are killing me with these videos! Each one gets funnier and funnier! Super great info for people who might be dreaming about RV living! We have friends who lived in an RV with their 3 kids! Talk about space issues! Pretty sure they stuck to warm climate areas so they could utilize the outdoors! Here’s to warmer weather…and a house someday soon!