Rich_in_Florida
Tampa, Florida
Full Member
Joined: 08/30/2006
View Profile
|
My wife and I were trying to get a handle on expenses if we choose to full-time one day. Without figuring the initial cost of the RV, here is what we have:
Expenses that decrease:
Homeowners' Insurance
Property taxes
Utilities
Car insurance (2 down to 1)
Home maintenance
Expenses that Increase:
Service and maintenance on RV
Gas or diesel
Apartment rental- modest 1 bedroom (this is unique to us - we want to maintain a small stick home for a number of reasons - at least it's offset by not having to rent a self-storage place).
Campsites: 365 x $25
This is just a start for us. What are we missing so far?
* This post was
last
edited 08/24/08 08:36am by Rich_in_Florida *
View edit history
Rich
Tampa, Florida
Trailmanor 3124KS 2008
|
CrusinSusan
Wherever I am at the moment
Senior Member
Joined: 10/23/2005
View Profile
|
It's hard to figure ups and downs, but:
I guess if you plan to move often, then you won't be able to take advantage of monthly camping rates - thus the $760 a month you plan on spending. I'd figure closer to $500 (with HU). Less if you'll spend time in your apartment.
RV insurance isn't listed. Homeowners may decrease, but I assume you'll want renters insurance.
Why Full-Timing? Because at my age, I have maybe 40 more chances to see flowers bloom.
CrusinSusan's Blog!!
2006 Winnebago View 23J
|
Rich_in_Florida
Tampa, Florida
Full Member
Joined: 08/30/2006
View Profile
|
Thanks. Any guess on RV insurance for a $100k rig?
|
CrusinSusan
Wherever I am at the moment
Senior Member
Joined: 10/23/2005
View Profile
|
Factors are everything: state of residency? collision/comp you want, glass, full-timers....many things play a role.
Only quotes will tell. Decide what you want and contact the agencies. Perhaps there is an online broad-spectrum site like there is with ehealth. I don't know.
|
flaja
anywhere,usa
Senior Member
Joined: 05/03/2004
View Profile
 Offline
|
You might want to factor in eating out & tourism expenses (like tickets & event fees, nat'l. park pass) When we are traveling I find that part of the fun is trying the local cuisine(we didn't eat out that often before we hit the road) & visiting the local county & state fairs.
- Roy & Jacqui
- Retired firefighter & X-ray Tech
- 2003 Fleetwood Revolution
- Fulltimers since 2004
|
|
|
BarbaraOK
Livingston, Texas, USA
Senior Member
Joined: 10/27/2003
View Profile
Offline
|
Well the first thing you are missing is that you won't be fulltiming. Having an apartment that you live in part of the year means that you will be a part-timer or snowbird. That's fine, but it is not the same as fulltiming.
There is a sticky at the top of the fulltiming forum pages. Look at it to get some idea of things you should be thinking about. BTW - don't forget that you will have to figure in the costs of utilities for the apartment while you aren't there, even at a minimum level. Are you sure you need that apartment? You would be better off doing monthly sites in the area where you are getting an apartment, even if that means renting a storage shed.
Barb
Barb & Dave - full-timing
Traveling catpanions Kit (age 18) and Shadow (age 11)
Figment II (2002 Alpine 36 MDDS) 
Mischief (2004 Subaru Forester Toad) 
FMCA - F337834, SKP #90761
http://homepage.mac.com/barbaraok/
Our blog
|
RVN'S 4 US
On the Road
Senior Member
Joined: 12/09/2004
View Profile
|
Full-timer insurance on the rig is significantly more than normal RVers insurance and most companies don't offer it. We had to change companies when we sold our last home and hit the road. Be sure you list your apartment address and don't say you are full-timing in the rig. Full-timing also voids warranties on many units that your apartment, once again, covers. Others just lie and say they aren't full-timing to insurance etc. You just need to mention your stick home.
A few links to actual expenses of full-timers
http://www.roamingamerica.com/expenses/expenses.html
http://www.1tree.net/adventure/full-time/threeyr.htm
http://www.seeya-downtheroad.com/InformationPage/Statistics.html
Plan for tomorrow. Live for today. Learn from yesterday.
|
trkrhelp
On The Road
Senior Member
Joined: 06/20/2003
View Profile
Offline
|
RVN'S 4 US wrote:Others just lie and say they aren't full-timing to insurance etc. You just need to mention your stick home.
Sure would be a bummer to total your $100k+ (or more) coach and then have the insurance decide you lied and it's not covered
As long as you have the apartment and actually spend some time in it every year you're not fulltimers for insurance purposes, again just be sure you get a policy that doesn't say something in the fine print you weren't expecting (mileage limits,etc).
John Ewing
2007 Allegro Bus 42QRP ("TisIt")
2005 Sportster/HydraLift ("Dinky")
2002 Miata toad ("Mellow Yellow")
www.jandse.com
FMCA 104106
What goes around comes around - always treat others the way you'd like them to treat you.
|
WTTCS
freedom , U.S.A.
Senior Member
Joined: 07/28/2003
View Profile
|
Most insurance companies that offer fulltimer insurnace, have a set rule that says if you are on the road for 5 months are more, you need fulltimer insurance. Might keep that in mind. If you just get homeowners and try to cover your rv, and you are gone a bit, you may have claim trouble.
1997 chev crew cab 454, 5 sp. 4.10
2000 Fleetwood Caribou 11.5
|
DianneOK
Donnelly, ID
Moderator
Joined: 03/19/2004
View Profile
Offline
|
I hate it when people lie......
Dianne
Donnelly, ID
DataStorm
HAM WB6N (Terry)
2005 Teton 39' Frontier Grand
2003 Freightliner FL60
Life Member Good Sam
Escapees
Geocache..."RVcachers"
RV net Blog
|
|
|
