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Old 11-03-2014, 03:59 PM   #15
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A month is four and a third weeks, not four weeks.


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Old 11-03-2014, 04:52 PM   #16
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Originally Posted by dbj216 View Post
I tried searching, but can't find what I'm looking for. Maybe you can reference a thread for me.

Can you full timers in Airstreams advise me on my monthly budget?

Site rentals at $30 per night, 30 nights is $900 per month
Fuel costs at 20 gallons per week at $4 is $320
Food for two at $100 per week is $400
Phone and internet hot spot per month is $120
Propane cost at 20 pounds per week at $2 is $40

Maintenance allowance per month is $100
License costs allowance per month for vehicle and trailer is $30
Insurance costs per month for vehicle and trailer is $50
Health insurance cost per month is $300 (assume no network)
Clothing allowance per month is $60
Cash miscellaneous items allowance per month is $160

Monthly budget to full time = $2480
Then add:
Tow vehicle payment (if)
Airstream payment (if)

Rainy day savings account minimum $10,000

Is this realistic?

David
Around here Mississippi) we have many campgrounds that are $20 per night or $400-$650 per month.
I have a gas pickup, so fuel will be less than that.
We probably eat more like $120 per week of food/groceries.
Our phones with unlimited talk, text, and web are closer to $130.
I might not use 20# of propane per year. I estimate my monthly propane usage at $5.
Maintenance may be about average. Some months it's 0, and others it's a new set of tires.
Our vehicle license/tag/registration is much higher- $75 per month.
Our vehicle insurance is much higher, closer to $100 per month.
Our health insurance is much higher- more like $500 per month or more-
We need no clothing allowance, or $20 per month for souvenir t-shirts. We have too many clothes.
Miscellaneous cash is about right.
No truck payment.
Our budget is a little lower at $2250- very doable- less than living in a stick and brick house-
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Old 11-03-2014, 04:54 PM   #17
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Originally Posted by Wayne&Sam View Post
A month is four and a third weeks, not four weeks.


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Yeah but...
Bills come 12 times a year, not 13-
Monthly rates at RV parks are 12 times a year-
Insurance, phone, etc. are billed 12 times a year-
You still gotta eat, put gas in the truck, and use propane in that 1/3 week...
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Old 11-03-2014, 04:59 PM   #18
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Originally Posted by m.hony View Post
Yeah but...
Bills come 12 times a year, not 13-
Monthly rates at RV parks are 12 times a year-
Insurance, phone, etc. are billed 12 times a year-
You still gotta eat, put gas in the truck, and use propane in that 1/3 week...
Not to mention some bills can be paid quarterly, semi-annually and annually for additional savings.
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Old 11-03-2014, 05:27 PM   #19
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Semi related - I sooooo look forward to monarchs like march where there are 3 pay periods


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Old 11-03-2014, 05:46 PM   #20
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Not to mention some bills can be paid quarterly, semi-annually and annually for additional savings.

But...
Quarterly, bi-annual, and annual payments need to be considered/accounted for in the monthly budget.
Property tax and homeowners insurance are like that- if you don't plan/budget, you'll come up short-
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Old 11-03-2014, 08:51 PM   #21
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Okay, so it is reasonable to budget about $2500 a month when full timing. Some can do it for less. Our health and auto insurance is a major fixed expense, paid if we travel or not. We can add costs associated with maintaining a "sticks and bricks" home, or making tow vehicle and/or Airstream payments. There is some downside to this budget number, and lots of upside.

Full timing is likely more expensive than staying home in a two bedroom apartment. I know plenty of people who live on $1800 a month, $450 a week take home after health insurance benefit. (Small town is cheaper than big city.) Full timing is likely cheaper than living in a 4 bedroom home with insurance and property taxes, utilities and maintenance.

But nothing compares to Airstream adventures while traveling. Worth every penny!

David
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Old 11-03-2014, 09:09 PM   #22
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But...
Quarterly, bi-annual, and annual payments need to be considered/accounted for in the monthly budget.
Property tax and homeowners insurance are like that- if you don't plan/budget, you'll come up short-
Maybe for others. Our fixed expenses never exceed 35% of our income.

I just simply adjust for the annual things I pay once a year. But that is me. I have all my insurance scheduled to come out at tax time each year. But I also run a monthly and yearly budget. I know what I need to set aside for yearly expenses, like business taxes and that's accounted for in savings. It's weird, but works for me.

Might not work for everyone, so I understand the accounting for it each month.

I've practiced a steady 35/15/50 spending plan since getting married.

35% is fixed budgeted bills.
15% is spending money on whatever (eating out, recreation, etc)
50% goes into savings and investments.

If you can SPEND LESS THAN YOU EARN, you can full time in an Airstream.
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Old 11-03-2014, 09:18 PM   #23
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Hello Bold: Our CPA members would agree. Some obligations are covered yearly, some semi annually, many monthly, and even some weekly or daily (like lunch)! I was just taking all the expenses as a monthly allotment for budgetary reasons.

David
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Old 11-03-2014, 09:45 PM   #24
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Our monthly camping has been coming out to less than you budgeted.. around $400-$700, but will probably go up a bit the next year or so as we hit Florida for the winter and then the east coast.

Gas is more than yours and we only move on the weekends, so you are probably low on that.

We eat well, healthy and don't like to skimp so our food budget is over twice what you listed.

Our phone, internet and insurance is all slightly higher.
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Old 11-04-2014, 09:09 AM   #25
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Jim, I travelled about 7000 miles on a trip from Barrie ON to Whitehorse YK and also put everything on a card also cost about $1.00 per mile.
I have a 1978 like yours but not as shiny, did you polish it yourself or have it done ?
When I got mine it had been painted with spray can aluminum paint I have removed that but still have a long way to go to get it bright.
Been getting needed updates done will work on the outside when all that is done.
The new ones are nice but I wouldn't trade my old tin can for one.
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Old 11-04-2014, 09:19 AM   #26
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Full Time Monthly Budget

$1/mile is interesting. I know my fuel cost is right at 25-cpm


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Old 11-04-2014, 09:34 AM   #27
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Several years ago I copied some fulltiming cost info from RV-Dreams.com and started adjusting it to match my timing and experience so we could see if full-timing was in our future. Unless things get really wacked out, I'm projecting something along these lines in a few (5 or so) years. A 'travel month' will be more costly and should be about 9 of the 12 months. The remaing 3 months should be cheaper with some volenteering or driveway camping. I'm also 100% sure that it could be done MUCH cheaper but we don't want to plan that way.

Average Month Travel Months
Basic Daily Living Expenses $2,814 $3,200
Annual Taxes, Fees, Insurance $950 $950
Totals $3,765 $4,151
Per year $45,180 $49,820

Basic Daily Living Expenses

Campground Fees $490 $540
RV Clubs $12 $13
Propane $16 $17
Cell Phone $140 $154
Internet $100 $108
Directtv $95 $104
Trailer Maintance $31 $34
Diesel $335 $370
Gas $270 $297
Truck Maintance $35 $38
Car Maintance $15 $16
Groceries/Dining Out $600 $664
Laundry, clothing, hair $95 $105
Entertainment $278 $307
Medical & Dental Expenses $44 $48
Misc $257 $283
Total $2,814 $3,100


Annual Taxes, Fees, Insurance

Trailer Insurance $100 $111
Trailer Taxes/Tag $66 $73
Truck Insurance $82 $91
Car Insurance $33 $36
Truck Tag/Registration $64 $71
Car Tag/Registration $5 $5
Insurance - Life, Health $400 $441
Other taxes $56 $62
Other Insurance $141 $155
Total $950 $1,048
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Old 11-04-2014, 01:10 PM   #28
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Peggy Wilson -- Hi! Your post made me rethink some things we've (DH and I) have discussed in the past. BLM camping is something that intrigues me greatly. Hope I'm not bringing on a lot of discussion saying that we're paranoid or whatever, but here it goes...............How do you find BLM places to camp, and when you've located one or some, how do you know it is "safe"? There seems to be more and more people out there invading other's space and not respecting other's rights/privacy. I also am not trying to bring a lot of discussion about how to protect yourself -- we know that tends to bring discussion which ends up closing threads before long, and I don't want to do that. I'd like some factual, earnest discussion about how to safely find BLM camping sites and how to be safe.

We are looking forward to our retirement a few years from now, and enjoy discussing what we'd like to do and how we might go about it. Wintering in our Airstream is what we're planning, however, a lot will factor into that final decision.

I thought this might be helpful to the originator of this thread, but if not, we could move this discussion.

Thanks so much for anyone responding.

Deb
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