For months after settling down, I struggled on and off with depression It’s a rather long story but the short of it is I did not adjust easily back to life in a house after four years on the road. It’s been hard. Really hard. At times, I’ve felt like I’m 19 again but not in the life-is-an-open-road-awesome-way but in the lost lonely what-am-I-doing-way. It sucks to be 39 and feel like a depressed confused 19 year old.
If you install solar power, a big battery bank, or upgrade your converter or inverter or have any kind of add-on that is pernamently attached to the rig, and you have an older rig that you are insuring for Actual Cash Value, that upgrade will be part of the Actual Cash Value figure that the insurance adjuster will be calculating at the time of a claim. If you are insuring for Replacement Value, check with your agent how best to cover major upgrades.
Emily, you have done an absolutely fabulous job of compiling tons of useful information and we avidly read your blog and go back over things as we prep to hit the road full-time. We love the way you think, your personality and just everything we read. You have been so kindly open with your budgets etc but there are two things we are just curious about being of similar ages and not able to get pensions or SS at this stage in our lives.
If all you need is a little connectivity on your phone I’d suggest looking at one of the ATT-based Straight Talk plans at Walmart. If your phone accepts it you can buy a SIM at Walmart and then you just pay flat $45 per month for “unlimited” talk/text/data. I put the unlimited in quotations because the fine print says that you get unlimited talk/text but only 5GB of full-speed data (after that you’re throttled pretty heavily). That might be enough for you though? The nice thing about Walmart is that it’s non-contract plan so you can try it for a month and if it doesn’t work out you can just ditch it and do something else. ATT doesn’t get you as wide coverage as Verizon, but it’s pretty darn good. We have it on our phones right now.
New RV insurance policies for late model RVs can cover the RV for its Replacement Value. That is, within the first 2 to 5 or so model years, depending on the insurer, if the RV is destroyed, you can shop for a new one of similar type and features. In the next model year after the insurer’s time limit for Replacement Value coverage has ended, your coverage will change to Actual Cash Value which is the current market value of the year, make and model of RV.
You can pay $1500 for a decent house that can fit a family of four or five. You live there, in one place, and spend oodles once a year on a vacation. Then you come home, pay that rent (and then some in utilities), and twenty years later might be doing the same thing. Meanwhile everyone has their space. Space to disappear into their video games and man caves and kitchens. You, as a family, live together but you’re separated as easily as a staircase can be climbed, a door can be closed.
The eclipse was one of the most intense and beautiful 2 minutes and 20 seconds of my life. It was sublime in the truest sense of the word. Mind blowing. My body buzzed for a full 30 minutes afterwards. The moment when the last sliver of sun disappeared, that moment of totality when I took off my glasses, was like instantly being transported to another world. Everything familiar but so different. Completely surreal. A 360 degree sunset. And the corona of the sun… No words. Just awe.
The question I get the most is what do I do for heat. Heating and condensation is the bane of my winter existence. RV’s especially those built in the 70’s have little to no insulation. I spent about a month trying to fill all the little nooks and crannies with whatever I could find to insulate. Even with all the windows covered in cellophane, and covered in reflective insulated foam it doesn’t keep super toasty. I have a propane forced air furnace which helps but I don’t like running it during the night for fear of carbon monoxide. The key to winter RV living is blankets, flannel sheets, and slippers. Under my blankets during the night. Its super comfortable until I get out from the blankets and run to turn the thermostat on. One of my proudest moments this winter was up skiing at Rogers Pass when it was -34 outside during the night. I woke up and it was only -10 inside! Knowing that I had insulated enough to cause a 24 degree difference made me really happy, my friend who was staying with me at the time didn’t understand the celebration of a -10 morning inside the RV.
Loved all the info. I will be winter camping this year in my 2008 Itasca Maridian motorhome. Will be in the coach three to four days a week. I ‘m a marketing person for a company that’s in the midwest. will be in Missouri, Kansas, Iowa and Nebraska. Will try and hook up to shore poer when possible but will always have the diesel generator to fall back on when camping at Wal-Mart parking lot.. I understand the skirting around the bottom and the benifits but with the short amount of time in between locations this is not practical. I will try insulation in the wet bay along with small heaters in basement and wet bay areas. I will also try space heaters in the coach along with reflective insulation sheeting. Went camping this past weekend with family it got down to +25 degrees. I went through 3/4 tank of propane in there nights. The furnace would turn on and off about every 5 to 10 min. apart . The coach would warm up and within 2min after shut down you could feel the temp drop inside coach. Any other ideas would be great. Heat pump did great during the daytime temps in the 50s
i had the same idea, and i am willing to invest and become partner in such an adventure, but would be nicer to have 15 to 20 spots, we could go over costs , find a place not farther than 35 to 40 min from a city center with ammenities, resturaunts, shopping & movie theatre, i live in s. florida and theres alot of land for sale out west, and not too far from everything, i had an idea to do a shipping container homesite, doing the same thing, same idea,,, its hard to find like minded people wanting to co-exist but the living expenses would be so low, commpared to a house and great for retirees that do not have alot of savings,, we could be a community helping each other out, i am all for that idea. would have to get plans and find out from the building departments what we can do or cant do..
Another idea to save big time is to spend a few months in Baja California every winter, where food is crazy cheap, boondocking is abundant (you can even find spots with lots of other American / Canadian snowbirds if you’re concerned about safety, but it’s completely safe in our opinion after having been down in Mexico in general for a year), and in general the sun shines all winter long.
Retirement – Once you have an adequate emergency fund, and are debt free, the next component of savings is your retirement savings. We follow Dave Ramsey’s plan which suggests putting 15% of your gross income into tax-favored plans such as your company’s 401(k) and Roth IRAs. Don’t wait until later to start saving for retirement. You just never know what may happen in the future!
Yes on the dual sided heated mattress pad. Your friend in the winter! This winter I slept on an 8″ memory foam mattress, topped with the heated mattress pad, then a 3″ memory foam on top of that. I turned on the mattress pad about an hour before I go to bed (if it isnt already on!). I cranked it up to High and turned it down to 3 or 4 when I got in bed. It will warm up the top pad. When you get in bed the top MF is soft and as you sink into it you get the warmth rising. This winter I was in a really, really cold cinderblock house in the Midwest. Last winter I did this in my Teardrop trailer with a 4″ regular foam mattress, the heated mattress pad and the 3″ of MF.
All of these expenses hit the bank account with a resounding thwang and can’t be ignored or wished away. You may not know exactly what your hobbies will be when you start full-timing, but put some kind of figure into your budget that allows for replacing your computer and phone as often as you have in the past (if you plan to use them as much) and for buying the various things that will make your favorite pastimes possible.
Here’s another vote for you to keep it up. I’m 65 and preparing to stop working. I don’t want to just sit in a house and wait to die! Looking for a coach and preparing to hit the road. My wife is less than enthusiastic (so far) but I think once we get into it, the light bulb will turn on. We have always enjoyed traveling together, even our camping trips. Thinking about all the changes of scenary makes me all the more enthusiastic. I can cook a meal and clean a floor just like anyone else so that we can both enjoy our time seeing the country.
Since we started full-timing, we have upgraded both of our DSLR cameras twice and upgraded both of our pocket cameras twice. As for biking, we started out with cyclo-cross bikes but sold those when we found we were almost always camped near very rugged dirt roads. We replaced them with mountain bikes in March, 2014. Bike maintenance isn’t a huge cost, but it’s there. We also upgraded our bike rack a few years ago. And back in 2008 we splurged on a fabulous Hobie inflatable kayak that we loved for several years but eventually sold because we needed more room in the basement.
Great post! My wife and I are in the process of getting on the road. We have two boys Cole is 7 and Zachary will be 4 in November. I am 34 and my wife is 33. We also have a 5 yr old golden retriever/ horse( he’s 90 lbs). Our family has so far been supportive but have raised a lot of questions as well. One that comes up a lot and we are also concerned about is safety and security. have you found unsafe places to camp that you would never go back to. have you ever been injured and had to try and find a doctor or hospital you could be hours away from?
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 already knew we enjoyed Vermont having traveled up to the southern part of the state a few times when living in the area. But we were still surprised by how much we enjoyed Burlington once we got up there. We only had a few weeks, but could have easily spent the whole summer there. It really seems to come alive and Vermonters make the most out of the season. Brandon was able to dive Lake Champlain multiple times and explore a wreck only a handful of people had seen before. And seriously, we're out of maple syrup, so we may need to go back this year.