You’ll notice that none of these RVers, nor us, shared how much we pay monthly for other items, such as debt (student loans, mortgages if we still have property somewhere, credit cards, etc.), medical supplies, car and RV monthly financing payments, clothing and other personal purchases, memberships/subscriptions (RV memberships as well as Netflix, Spotify, etc.), and business/work expenses.
First of all, I had to do a lot of research to better understand the difference between fifth wheels, motorhomes, truck campers, pull-behinds, etc. Ultimately, we made our choice on motorhome because we liked the idea of having our vehicle and home be all in one. We enjoy being able to walk to the back and use the restroom or make food, without having to leave our vehicle while we’re traveling.
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.
I’m no hunter or fisher woman, but I’ve seen this discussed on RV threads quite a bit. License fees vary dramatically between states, so some can be very reasonable value depending on where you go. Also most states offer short-term fishing licenses that are not too expensive (most are less than a regular round of golf or a nice dinner out). Many fulltimers who love to fish either do the short-term licenses or stay for larger chunks of time in states where it is not overly expensive. I recommend searching the forum threads on iRV2 and RV.net for more info on this.
Their kids are raised and living their own lives now, so this couple is living it up now! They are what you’l consider luxury RVers and they are proud of it. They travel and live full-time in their beautiful and spacious Fifth Wheel Toyhauler with their spoiled cat. This couple still works from the road and finds time to enjoy outdoor adventure and tourist activities.. They typically stay in one place for a month, which gives them a much better rate at the RV resorts they stay at. They have no desire to boondock because they love the convenience of full hook ups and various amenities. Now, that’s the life!
Wednesday morning arrived, I left around dawn and drove on (mostly) dry roads out of Steamboat and towards I-70. Along the way, I passed high mountain peaks, narrow valleys, small hamlets like Oak Creek where recent snows had not been cleared off the roads (good idea to slow down!) and then… I-70 and Beaver Creek, Vail, and Copper – three world-class ski resorts all in succession!
[…] Our life in that storage, or so we thought. But after a certain number of years you start to question that whole premise and whether your “life” is really worth the ever-increasing storage $$ you throw at it? 6 years on and we feel this more strongly than ever. In fact I’ve talked about it many times on the blog before and it’s one of the key regrets I featured in #8 on my popular post “10 Things I Wish I’d Known Before I Went Fulltime RVing“. […]
I plan on retiring Nov 2016 and want to RV for a couple of years before settling down in one place. I’ve been researching the fulltime RVing and my head is spinning with all the info out there. I just want you to know that your site is actually the first one to give direct answers to all the questions I have like taxes, health ins. Car/RV registrations. I’ll be stopping by quite frequently…..
I really appreciate it when you pointed out that being an owner of an RV means that I should learn a little about electrical, plumbing, and roofing work so that life on the road will be a little easier. Maybe it is time that I get myself a book and educate myself about the basics of troubleshooting. After all, I do intend to get an RV for myself soon since my dream job is to be a nature journalist. Thanks for the tips.
Were newbies and it feels like a whole new life style. Pro’s and con’s are always welcome! Based out of Fla. was the first right thing we did! Just finding the right camp ground in northern Fl. is a hassle. Does anyone know which are the best? We like the social life style. We have dogs and would love to hear from dog lovers as to which parks are the best dog friendly parks?
The family kicked things off by traveling to some of their favorite outdoor spots, like the Rockies and Utah. Caleb even fulfilled a dream to complete the Wasatch Front 100-mile Endurance Race. Going that great a distance was relatively easy for the 37-year old vegan athlete. After all, his efforts were fueled by his own creation: Bearded Brothers Energy Bars.
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.
Wow! Bold, informative, funny, truthful, your on to something. All your information from the Cats to your cell phone service. I feel very blessed to have watched HGTV that day. You are living our dream and at such a young age. Your showing a very young generation that you don’t have to wait till retirement to see the world. Oh I am not old by the way or retired but admire your budgeting skills and dedication to balance life experience vrs $$$.. You guys are getting it right. Ok so medical expenses. What people don’t know is when you pay cash for your medical care you can negotiate with the doctor because they save by not having to bill your insurance and all the clerical and bookkeeping costs. So lets say the cost of a physical is $500.00, well I think we all know that is crazy, but that is what they bill the insurance co. but if you tell them you are paying cash, ask for a discount. Good doctors that care about patient care are happy to do it. My parents do it all the time. Dentist, Eye Doctor.. You can monitor and care for your health with out medical insurance. Sorry so long.
Hi!…..Thank you for all this great information. My husband and I have decided after a few years in the making to finally sell all, put our house for rent and get on the road. We have accomplished plenty of things already for the trip but we are still looking for work online specially because we are in the medical field. We will be putting our home for rent and hopefully find jobs soon enough to make our dream come true. We always had issues finding trusting dog sitters therefore decided to get an RV. Being that we are money conscious and simple people, we decided to get a fantastic older class C to travel with our dogs. We also purchased an older jeep cash and for dirt cheap, not only for emergency driving but also for off roading fun. We have been taking small trips here and there and love it. I never thought one day I would look at my house and feel the need to leave it all behind like I do now just to cram in an RV with a man and 3 dogs. In order to make this happen we put a date on our calendar as our departure whether we make it or not on that day, its happening in a few months. We are not waiting for retirement to start living and there is not a single thing that matters more to me as much as spending quality time with my husband, our dogs and our close friends. I realize this travel bug is not for everyone but its definitely for us. We rather spend our money seeing new places and meeting new people than just hanging in the same old house, falling into the same old work-home routine with the 2 week vacation once a year. Your articles are of much inspiration, Thank You.
All these questions factor in. I’d say if they can buy the RV outright, if they’re knowledgeable and handy so they can fix or direct the repair of most things on an RV after some study, they could make it with $30,000 in the bank. That would give them close to 2 years to learn the ropes of the road. If they’re frugal. No eating out. No $100 concert tickets. No spurious or unessential purchases. No staying in expensive RV parks. Not too much travel. And assuming they work part time while on the road for either cash or a free RV spot whenever possible.
2. I would have taken it to a mechanic before buying it – Being a 23 year old RV, I knew I’d have to put some money into it and I budgeted for that. But knowing WHAT I’d have to repair would have given me much needed peace of mind. Every time I took it out the first few months, I lived in fear of breaking down on some country road in the middle of nowhere. Knowing what was likely to break (and when) would have been comforting and allowed me to budget better.
I am considering rain water collection from the roof and a possible 400 gallon water bladder affixed to the underside of the trailer. My tiny house will rarely move perhaps 3 times total but it will be mobile. (Tumbleweeed is the leading builder at the moment if you need to see a visual). Again, I don’t want to dispute RV’s vs tiny houses just want some awesome ideas and input from people who live the life such as I do. Thank you in advance for your time and ideas! 🙂
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?
My wife and I just purchased our first travel trailer. We bought it as a way to allow our two newly adopted children from China to see their new country and create some amazing memories with us. I am sorry to hear people are judgmental and rude but we have really appreciated all the information (including personal) you have shared. I am certain for every jerk there are ten “newbies”who you have really helped and I am sure that’s why you started this site in the first place! Thanks again, keep up the great work and we look forward to seeing you at a campground in the near future!
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.
But Yankee ingenuity prevailed on the part of our fellow campers. The gang put their heads together to deal with the trials of winter RVing. One guy had a large pickup that was not street legal, but could get around the campground. Another woman had a relative nearby with a big portable water tank they used on their farm. It fit in the back of the truck and held 300 gallons of water. Another guy had a pump that would pump water from the supply tank to RV fresh water holding tanks.
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.
$700 Smart Repairs: Includes 1 oil change service, 2 rim replacements, 1 tire replacement. Because our Smart Car is the Brabus edition it has low profile tires and 17” rims in the back (BAD IDEA). We hit a few potholes along the way bending rims and shredding a tire. We purchased a tire and rim warranty and we have AAA for towing (est. savings $2,500)
Nikki, Thank you for your reply. I meant no disrespect by using the word “gibberish.” I appreciate all your videos and valuable information: So in your case, If I may ask, what was the cost of your current RV, the taxes, and the documentation fees? Did you purchase an extended warranty? What was the cost? Did you finance your motorhome? If so, for how many years? what is the interest rate? What is your current monthly payment? How much of the interest can you write off as a first or second home on your taxes? as a full time RVer is there a particular state I should be setting up a fictitious residence so I can save on taxes? For example in Oregon they do not have sales tax on cars or RV’s (that’s about a $10,000 savings on a $100,000 motorhome). Any idea what your current motorhome will be be worth when you sell it in 5 or 10 years? 25% less, 50% less. Once again I want to thank you for all your valuable information.
For propane heat, we have two 7-gallon propane tanks. Even though I tried to be, I wasn’t very meticulous in my propane record keeping last year, but here is a rough estimate of our propane usage for a few of the winter months based on my rough notes. We buy propane either from a nearby U-Haul, which is more expensive (over $3/gallon including their base fee), or from Tractor Supply Co., which is cheaper ($1.86/gallon last winter, and they don’t charge any additional fees) but is unfortunately located 30 min. away from us.
Filed Under: Cost of Full-Time RV Travel Tagged With: annual cost to live in rv, Annual Full-Time RV Expenses, average cost to live full time in rv, budget, budget rv, can you afford to live in an rv, Costs of full-time travel, creating a budget for fulltime rving, full time rv costs, full time rv living, full time rv living cost, full time rving, full-time rv, full-time rv budget, full-time rv budgeting, Full-Time RV Finance, full-time rv finances, full-time rv financials, full-time rv spending, how much does living in an rv cost, nomad life, rv financials, rv life, RV Living, rv living full time, rv living full time cost, what is the cost of fulltime rving
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).
For example if you’re buying an older RV, you’ll want to plan for some initial $$ to fix the things that will undoubtedly need to be fixed before you can get on the road (e.g. new tires? oil changes? new hoses? new suspension? broken appliances?). Also you’ll want to buy some basic stuff (e.g. sewer hose, camping chairs, surge protector, TPMS) to set yourself up for starting on the road. Lastly, if you plan to do some upgrades (e.g. buy a cellular booster, install a solar system) you’ll want to plan for those too. These one-time expenses can easily cost $5,000-$20,000 depending on what the condition of your rig is and what you’re planning to do. Some of of them (e.g. upgrades) will likely spread across multiple years too, so include some extra $$ for these in your yearly plan as well.
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!
In the case of Nationwide (Allied), there is a four page description of how personal effects are covered and the capping methodology used, including more than a page of listed exclusions. Some highlights: There’s a cap of $500 per individual item. Groups of similar types of items are capped differently, for instance items grouped as “camera equipment” or “fishing gear” or “musical instruments” are capped at $1,000 per group while items grouped as “computer equipment,” “tools” and “silverware” are capped at $3,000 per group.
While at the dealership looking at the Cougar, we saw the Highland Ridge Open Range Light LT308BHS. I was impressed with all the space the moment we walked in. Although the master is in the front, there is still more room in the master than other travel trailers of the same layout because Highland Ridge adds 4 inches in width over the standard width of most travel trailers. When you are talking space in RVs a few inches can make a HUGE difference. Highland Ridge also comes with a 2 year warranty and is known for its quality build.
The electric blower motor in your furnace in your RV uses MOST of the electricity usage, in your RV, BY FAR. I had 4 of the biggest deep cycle batteries walmart makes in my RV, each 29 size and each 125 amp hours, so 500 amp hours. (for my truck camper) vs class A with 500 amp hours, you are woefully underpowered for dry camping, unless you want to be running your generator a lot. I have ad a honda 1000 generator, but I found i never needed to use it, and the inconvenience of dragging it out, gassing it up, chaining it up, and then packing up and storing, was not worth it. I DID however have zero guage wire from batteries to alternator in truck to recharge them that worked great. batteries lasted 2 years before needed replacing. Id reccomend the 29DC – MAXX not the regular 29DC, as maxx has 1 year warranty (used to be 2), and slightly more amp hours and better built.
Thank you so much. All this information is very helpful and I do have a few friends who have traveled and lived on the road for more info. Good luck to you and your family. One of my friends traveled across the nation for over a year staying long terms in National Parks with 6, yes I said 6 kids and home schooled them. Interesting life to say the least.
I don’t know if a particular dollar amount works here, but the more you have on hand, the better. I think a couple needs to have a solid plan that will generate a steady monthly income while traveling and living in the RV. It would be wise to have money saved and set aside in the event of an injury or illness that could prevent you from working for a period of time. If I had to put a dollar figure on it, I would probably say a minimum of six months of income/expenses is a good place to start.
No matter which way you decide to go, make sure you cover and insulate any exposed piping coming from the water supply and the spigot! If your water connection to the RV is on the exterior of the wall (not inside a bay/basement) you will also need to cover and insulate that connection very well. If you do have a wet bay you should consider placing a space heater in the bay just in case temps get low enough to freeze and burst the connection.
Sometimes I feel like I’m beating a dead horse when it comes to tracking expenses. Is anyone really interested in this stuff? I mean it’s basically the same junk just a different quarter…at least that’s what I keep telling myself! Then I start downloading our bank reports and before I know it I’m so interested in the numbers. So, weather you love or hate it, here are our full-time RV expenses from July 01 – December 31, 2014.
This item is hard to predict, but now that we have owned our truck and trailer all these years, we can provide an average of what we’ve spent so far on maintenance and repairs since we started full-timing. From 2007 until 2014, we had very few repairs on our rig, so our total repair bill plus maintenance bill each month was a modest $106 / month ($1,272 / year).
After several weeks of looking and test driving I found my 1993 29′ Jamboree Rallye with a Ford E350 motor. It had 54,000 miles on it, no water damage that I could see, seemed to drive well, had new laminate floors, was clean and in overall pretty good condition for a 23 year old rig. I inspected it with my untrained eye: the engine compartment looked clean, the hoses were newer and there were no leaks that I could detect. When I test drove it, it seemed to have more power and a smoother ride than others I’d tested. I also tested the house water pump, refrigerator, stove and generator and they all worked well.
Typically there is one main bay that holds your black/grey/fresh tanks, your sewer connections, water pump, water filter, etc. This is the MOST important bay to keep warm. I purchased a tiny 200 watt (1.8 x 4.3 x 6.1 inches) ceramic heater and leave it running in the bay during freezing temperatures. It pulls about 5 amps and keeps all my pipes warm (exterior temp 20 degrees, inside bay 50 degrees). Some people recommend hanging a work light in the bay: I tried this and the bulb melted the plastic bay, and my water still froze so I don’t recommend this option.
If they are new to RVing and unsure if the lifestyle fits, they should go cheap but functional. I have Airstreamed all my life, but our first trailer was a 24’ Nomad that cost $3000. We learned a LOT in that trailer. Lots of what to do, and even more of what NOT to do. We had repairs and enhancements to do. We sold it 1 year later, but that was due to my parents giving us their Airstream.
The first year of RVing I struggled to find the kinds of campgrounds (natural, green, spacious) that we like to visit. It was a constant battle of going to one website, through a ton of clicks, then another website, then to a map, then to another spot and back again to try and figure out which one matched our route. Early this year I discovered uscampgrounds.info and my planning life changed. If you like public camping there’s simply no better resource out there and I use it as the base for all our travel planning now.
There were also build sheets, diagrams for each fuse box and information on roadside assistance. We referenced all the information many times throughout our first year of RV living. When a fuse goes out at 1a.m., you’ll want to know which fuse box to check. Our first RV had four fuse/breaker boxes and two of them were outside. When it’s pouring rain outside, it’s not fun to run around wondering which breaker box to check.
I just found your website and am going to read all of it. I am so excited to say that we are starting to plan a full time RV trip in about 4 years. This is the start of our plan. research Research Research and by the time my daughter is about o go into high school we will hit the road. Homeschooling across america. I just wanted to take the time to say thank you for blogging. I am also researching blogging as a family, (from my point of view, from my husbands point of view and from a hormonal teenage 14 year olds point of view should be interesting) Reading your blog gives me hope to having our dream becoming a reality. And let the research begin I hope to one day meet you on the road 🙂
This is pretty personal, and it depends entirely on your financial situation. In our opinion, some people shouldn’t spend more than $5k, and others can afford whatever they want. We have a lot of friends who finance everything: TV, couch, vehicles, etc. We are not a fan of this mentality. We realize you can write off your interest as a second mortgage for your RV, but we don’t finance anything, including our RV. We’ve never had a car loan, and we have always paid cash for our vehicles (including our tow rig and our Airstream).
We've had this motorhome for almost two years but never had the propane system checked to see if everything worked correctly since we were in California for much of the time. Plus, we don't know how expensive it is to get this system checked. (The small propane tank is still half full.) Can electric heaters be used for inside heating as long as they're the kind that shuts off if tipped (and never left on when we leave for a few hours)?
Learning to live in a camper is its own full-time job in the beginning, and it can take months to get into the flow of this lifestyle. You have to learn how to efficiently organize a very small space. You have to learn how to cook (and store food) in an incredibly small kitchen. You have to learn how to manage your fuel and water resources so you don’t run out of either when you’re camped in the middle of nowhere.
We too fish and hunt and eat everything we harvest. Although we have enjoyed the trips we have taken in our motorhome, my husband is reluctant to travel for more than 2 or 3 months at a time. He does not want to miss out on Spring and Fall turkey season and Fall deer season. How do you afford to hunt and fish outside of your home state? Non-resident hunting and fishing licenses are very expensive in many states.
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.
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.)
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.
Thanks for the article, Tim! I really enjoy hearing and reading about folk’s experiences when living and traveling small. I never made time for it even though it was a dream and, now that I’m old, it will be one of those things that I’ll say, “If only…..”. Everyone reading this article: Please do everything you can to have a bucket list, and then do it! Don’t have regrets. I DO have a bucket list now and will do everything I have time for. Your story encourages me to keep going.
We cook with an electric plate, which works well for us, as our diet is simple because we’re both diabetic. We only use propane to run the fridge when we’re traveling, and have disconnected the propane hoses from the stove and furnace – we never use either – and we stuffed the vents with loads of rags years ago. We’ve never had a problem with rodents or bugs in any season.
Remember to boil the bones of chicken and beef with a little vinegar to bring out the best, the chicken feet have great collegen.. bone broth is great for you. Kombucha is also for the immune system and easy to make. Make all the food you can.. it is very satisfying and better for you and tastes better. get a book and homemade medicine and try the young living essential oils.. The woods is full of medicine. Let me know if I have helped or hindered or can help in the future.