Fulltiming Cost

[Steven@147]

I'm sure a lot of folks wonder if they can make it fulltiming and what the costs might be. Well I created an excel spread sheet to track our cost of living since we went fulltime last July. Just to be clear we live well, are not living on a shoestring budget but we like to know where our money is going. Maybe some would get a kick out of our Q4 Q1 cost of living data.

Our spread sheet is broken down by category then sub category costs per month and then by Quarter average three month total divided by 3.
RV Expenses - Loan, Repair & Maint, Insur, Propane, License Plates & Road Service
Camp Expenses - Site and Electric
Club Expenses - Good Sam, GD Forum, Trip Wizard, Escapee's, Mail Forwarding, Harvest Hosts, KOA
Truck Expenses - Diesel Fuel, Insur, License Plates, Repair & Maint (No Loan)
Health Care Expenses - Premiums and Co Pays
Communications & Internet - Cell Phones, Visable Internet, Netflix, Amazon Prime
Food & Entertainment - Groceries, Entertainment, Tourist, Amusement, Dining Out,
Misc - Laundry and anything that doesn't fit anywhere else.

---------------2020 Q4 - 2021 Q1
RV Expenses $992--------$1056------------(still have a loan and had some RV repairs Q1)
Camp ---------$649--------$691 (or avg 21-23 per night. (mostly private grounds staying by month, but some state parks and short stays or over nights)
Clubs ----------$36---------$18 (Escapee's mail forwarding service USPS deposits in Q4 and club yearly fees prorated)
Truck ----------$467------$545 (includes 3500 mile trip in Q4)(truck windshield replacement in Q1)
Health Care---$1317-------$16 (we had a Cobra policy in Q4 to get us to the end of the year and then went to the health exchange in Q1 BCBS HMO Policy)
Comm Internet $196------$196
Food Enterta---$828------$1217 (We eat well, went to Moody Gardens, bought new Roku)
MiscLaundry---$428-------$165 (we bought a generator in Q4)

You have to be diligent about inputting the data from your receipts but its nice to know where your moneys going. If you have excel you can you see our spreadsheet and break down. On the summary page I can input fixed cost in the white cells. There is a data page for varying expenses that are transferred to the summary (yellow cells)and totaled red cells.

 

[jmbopp]

Are you figuring in the replacement costs of the truck and trailer?

 

[Steven@147]

Are you figuring in the replacement costs of the truck and trailer?

Yes our truck and RV has full replacement cost built in on our insurance policies. The RV is with National General, the Truck is with State Farm. I prorate by month the yearly premiums and insert as a fixed cost per month. Road side assistance for the truck and RV are entered as a separate fixed cost.

 

[Steven@147]

We just like to keep an eye on our expenses and thought I would share. Build your own spreadsheet or feel free to use modify ours, I think all the formulas are correct, But I'm not getting any younger there could be a mistake in there. Recently we been watching our spending because in June we are meeting the kids and grandkids at Disney Ft Wilderness and I know our food, entertainment & camping expenses are going through the roof! Then we will be traveling from Florida up through Tennessee and on to Ohio. So our fuel costs and camping costs will go up.

Sometime this month, since we are already in southern Texas, we are going to Corpus to visit the USS Lexington. I usually donate money to the preservation of Navy museum ships since I am a Navy Carrier AirWing veteran. We have visited many Navy ships, the Yorktown in Charleston, the Massachusetts in Boston, the Texas in Houston, the Cavalla & Stewart in Galveston and several other ships. My own carrier (Constellation CV64) is now razor blades and Toyota's so I like to see the old Navy ships preserved.

Anyway, have a great time with your RV and go make some memories. Be safe out there!

 

[D2Reid]

Yes our truck and RV has full replacement cost built in on our insurance policies.

I am not sure, but I think JMBopp was asking if you figure in depreciation cost of the RV. While we would like to think that these expensive rigs would last 30 years the sad fact is they have a usual life span of only 10 years. Yes, there are a few out there have lasted much longer. And they last even longer if they are not used much. But for a fulltimer you will find the maintenance expenses jump around year 5 or you trade up/down or out. In year 7 we bought a new 5th wheel. We are in year 4 on this one. I am hoping it will last another 6 before I have to dole out another hundred grand.

Our cheapest year of paying for campgrounds sites was $13 per night. We accomplished this by campground hosting for 5 of those months.

We eat well also, and maybe drink a little too much wine.

Being on structured budget our entire life made it fairly easy to ease into full time living. We just stay in our budget, have a few bucks in the bank for the unexpected, save a little, it's been working for a while so we plan on continuing the great adventure.

 

[Steven@147]

I am not sure, but I think JMBopp was asking if you figure in depreciation cost of the RV. While we would like to think that these expensive rigs would last 30 years the sad fact is they have a usual life span of only 10 years. Yes, there are a few out there have lasted much longer. And they last even longer if they are not used much. But for a fulltimer you will find the maintenance expenses jump around year 5 or you trade up/down or out. In year 7 we bought a new 5th wheel. We are in year 4 on this one. I am hoping it will last another 6 before I have to dole out another hundred grand.

Our cheapest year of paying for campgrounds sites was $13 per night. We accomplished this by campground hosting for 5 of those months.

We eat well also, and maybe drink a little too much wine.

Being on structured budget our entire life made it fairly easy to ease into full time living. We just stay in our budget, have a few bucks in the bank for the unexpected, save a little, it's been working for a while so we plan on continuing the great adventure.

Dallas I realized He might have been thinking that way after I replied. No we haven't thought about or accounted for replacing the rig under normal or age circumstances. Then again we have never done that with anything we bought through the years, houses, boats, cars, trucks etc.
We tend to hang on to things for a long time. Our last truck purchase was new back in 2002, then sold it to our Son in 2018, thats 16 years, before we picked out our new 1 ton to tow whatever RV we would eventually buy. We understood we would be keeping it for a long, long time. Same with our RV. We took a long time to pick out the unit we wanted thinking way ahead of our needs, again understanding we would be in it for years, for better or worse. How long will they last or be able to be repaired if they break down, who knows. Like I told the finance guy at the dealership when he tried to sell me an extended repair policy, if it breaks, we'll fix it then. Really no different than when replacing appliances in our various homes or the roof on our houses, we never planed or accounted for that either. Houses' wear out and break down also, require almost constant upkeep but yes their infrastructure lasts a lot longer than an RV. A lot of people have lived for years in Mobile Homes or Park Model RVs also, or a new fad, Tiny Homes. One day when the RV needs a new roof, refrigerator, water heater etc, we'll get it done. We have a nice tidy sum in savings. In any way of living life you have to have something held back for emergencies or repairs. I realize a lot of people now days just cant do that.

I don't know how long we will fulltime. Eventually we will have to stop due to age, health, death or maybe just getting tired of traveling. We have absolutely no intentions of ever buying another home. Even if you pay off your house you still have to pay property taxes and expenses for upkeep, we know people in Austin Texas that are paying near $1000 in property taxes per month on their yearly property tax bill. If we ever had to buy a new RV, paying $500 to 600 per month, we would still be ahead of the game, I think.

When we stop fulltiming we'll lite in a retirement facility, apartment, condo etc. At the Escapee's park in Livingston there are a lot of elderly people still living in their old to very old RVs permanently parked just across the street from the Escapee's Care Center.
Now if we make it fulltime for a period of 10 years, I'll be 75. But we have met others in their 80s that are still going in their RVs. Who knows what will happen between now and then for us.

This question has been discussed from time to time on the forum. Its a very interesting and meaningful discussion. The wisdom from the really older folks here still going strong is invaluable for us young pups!

 

[geotex1]

Nice!

Figuring RV replacement in 10 years is a good idea. Beyond the age limits in many campgrounds, the last statistic I saw out of Escapees was 8 years on a full-time rig actually traveled. Well cared diesel tow vehicle can easily turn a few hundred thousand miles, but the emissions systems have drastically reduced the lifespan without major maintenance repair to the systems. A good estimate is a $10K reserve for every 5 years.

 

[D2Reid]

I don't know how long we will fulltime. Eventually we will have to stop due to age, health, death or maybe just getting tired of traveling.

Sounds like you have got a good handle on things. Our stuff does not sit still much. When we started out we said we were looking for the perfect place to live out our old age, we gave ourselves five years. At the end of the five years we hadn't found what we were looking for, so we extended the plan another five years. So last February we extended the plan once again. I guess we are stuck wandering around until we can't. In the mean time we are having a lot of fun.

 

[Steven@147]

Nice!

Figuring RV replacement in 10 years is a good idea. Beyond the age limits in many campgrounds, the last statistic I saw out of Escapees was 8 years on a full-time rig actually traveled. Well cared diesel tow vehicle can easily turn a few hundred thousand miles, but the emissions systems have drastically reduced the lifespan without major maintenance repair to the systems. A good estimate is a $10K reserve for every 5 years.

Rob, 8 to 10 years, probably a good rule of thumb. After that living on borrowed time? I don't know but curious whether a trailer would last longer than a motor home. Eventually a person might get to the point that its cheaper to replace than to repair. Our 3350s are pretty basic, which I like. Not a lot of whiz-bang stuff to fail, touch screens and the like. Keeping up with just the standard RV appliances is enough. I guess it all depends on how lucky the owner is, but lets not go there.
The new emission diesel's, yup that has been on my mind as well. We have all probably read the horror stories of some owners. Our old 2002 Ram diesel would have lasted several hundred thousand miles. This new one, ?????? Anything an owner can put back for a rainy day would help.

 

[Steven@147]

Sounds like you have got a good handle on things. Our stuff does not sit still much. When we started out we said we were looking for the perfect place to live out our old age, we gave ourselves five years. At the end of the five years we hadn't found what we were looking for, so we extended the plan another five years. So last February we extended the plan once again. I guess we are stuck wandering around until we can't. In the mean time we are having a lot of fun.

Thanks Dallas. I wouldn't say that.
Good handle on things? LOLs,,,,,,,, maybe not totally but we have a game plan anyway, but monkey wrenches abound!
Perfect place? Is there such a thing? My sister thought so, they sold their house in Northern Indiana after 30 years, and moved to Pensacola, thought that was the place. Now less than 3 years she says they are moving to Jackson Tennessee. Said Florida was too hot and too expensive. Yup well TN doesn't have a state income tax, but has some of the highest sales tax rates around. A good friend lives in Bristol and they go to Virginia to shop.

 

[Second Chance]

Sounds like you have got a good handle on things. Our stuff does not sit still much. When we started out we said we were looking for the perfect place to live out our old age, we gave ourselves five years. At the end of the five years we hadn't found what we were looking for, so we extended the plan another five years. So last February we extended the plan once again. I guess we are stuck wandering around until we can't. In the mean time we are having a lot of fun.

Dallas,

That sounds exactly like the boat we were in a couple of years ago. We had spent a year putting together a spreadsheet with all the aspects of life (Best Places, Kiplinger's, etc.) for consideration for places to settle. I had an ache to get a little place with enough space for the RV in my hometown in southern New Mexico. We even looked at places with a realtor. One of my sisters thought the plan was problematic because my wife is a tropical girl (grew up in Costa Rica where it's perpetual spring) and doesn't like the summer heat in Las Cruces. When we left Cruces that spring and headed northwest, we agonized for several months over the decision and choices. One cold, windy evening in Rock Springs, WY, we realized that the only thing both of us could get excited about was staying on the road. So, we upgraded the RV and continued to roll (with a time-out for the pandemic).

[MENTION=8842]Steven@147[/MENTION]: On cost calculations for full-time living, there are several different approaches. I'm of the school that includes only those costs you would not have in a stix 'n brix in the costs of full-time living - basically what supplanted the costs of owning and living in a home. These expenses would include the cost of the RV and tow vehicle, fuel for towing, maintenance and repair, propane and consumables, camping fees, mail service, etc. These replaced the home mortgage, property taxes, utility bills, lawn care, maintenance and repair, etc. What I don't include are things that we would be spending money for regardless of where we live - food, health care, clothing, eating out, entertainment, and a number of other things. I have used Quicken for years (download all transactions from the bank) with very detailed budget buckets and can provide our general info to anyone interested (pre-full-time and post).

Rob

 

[Steven@147]

Dallas,

That sounds exactly like the boat we were in a couple of years ago. We had spent a year putting together a spreadsheet with all the aspects of life (Best Places, Kiplinger's, etc.) for consideration for places to settle. I had an ache to get a little place with enough space for the RV in my hometown in southern New Mexico. We even looked at places with a realtor. One of my sisters thought the plan was problematic because my wife is a tropical girl (grew up in Costa Rica where it's perpetual spring) and doesn't like the summer heat in Las Cruces. When we left Cruces that spring and headed northwest, we agonized for several months over the decision and choices. One cold, windy evening in Rock Springs, WY, we realized that the only thing both of us could get excited about was staying on the road. So, we upgraded the RV and continued to roll (with a time-out for the pandemic).

[MENTION=8842]Steven@147[/MENTION]: On cost calculations for full-time living, there are several different approaches. I'm of the school that includes only those costs you would not have in a stix 'n brix in the costs of full-time living - basically what supplanted the costs of owning and living in a home. These expenses would include the cost of the RV and tow vehicle, fuel for towing, maintenance and repair, propane and consumables, camping fees, mail service, etc. These replaced the home mortgage, property taxes, utility bills, lawn care, maintenance and repair, etc. What I don't include are things that we would be spending money for regardless of where we live - food, health care, clothing, eating out, entertainment, and a number of other things. I have used Quicken for years (download all transactions from the bank) with very detailed budget buckets and can provide our general info to anyone interested (pre-full-time and post).

Rob

Makes perfect sense Rob. There are certain costs that would be "normal"? expenditures S&B or Fulltiming.

We met an 83 year old guy at one park that fulltimes in an older small 5th wheel. We was having trouble unhitching and i noticed he had the RV nose too high and it was binding the pin and hitch jaws from releasing, helped him out and we got to talking about fulltiming. He just has his SS to live on and said he has to count every penny. Really nice guy, a little slower moving around but still going pretty good. But it got me to thinking when I put our cost of living spreadsheet together so I added a lot more in it for like a total budget kind of thing.

We tend to spend a little too much on our Captain Morgan, Disaronno, mudslides and the like. Also we buy groceries usually around once a week because of our smaller fridge, then eat out too much lols. We kind of over did it while staying in Galveston a couple months back, man that sea food was great! For dinner last night we grilled up some fillet mignon we got at the grocery, baked potatoes and salad with a nice bottle of Berringer zinfandel. Beats the heck out of hamburger helper!! Fulltiming Life is Good!

 

[Band1t]

I love hearing everyone's tips and ideas on budgeting. You have to have a game plan. Just for fun, here's our plan.

Will be full-timing come 2026 (not soon enough).

1. bought a lot on the Oregon coast in 2019, that is zoned for RV living. Built a 26' by 45' RV cover on it. Expected property taxes and utilities, $350/month.
2. just ordered a new 2021 Ram 3500 DRW, to be paid off by retirement.
3. retire
4. purchase the 5th wheel if we have not replaced our current TTL by then. Current favorite floorplan is the 390RK, or Beacon's similar floorplan.
5. sell the house.
6. no DEBT
7. full time with the coast as home base when we are not snow birding, or traveling the nation.

61 months to go......

Jim

 

[Dragfam1127]

I'm sure a lot of folks wonder if they can make it fulltiming and what the costs might be. Well I created an excel spread sheet to track our cost of living since we went fulltime last July. Just to be clear we live well, are not living on a shoestring budget but we like to know where our money is going. Maybe some would get a kick out of our Q4 Q1 cost of living data.

Our spread sheet is broken down by category then sub category costs per month and then by Quarter average three month total divided by 3.
RV Expenses - Loan, Repair & Maint, Insur, Propane, License Plates & Road Service
Camp Expenses - Site and Electric
Club Expenses - Good Sam, GD Forum, Trip Wizard, Escapee's, Mail Forwarding, Harvest Hosts, KOA
Truck Expenses - Diesel Fuel, Insur, License Plates, Repair & Maint (No Loan)
Health Care Expenses - Premiums and Co Pays
Communications & Internet - Cell Phones, Visable Internet, Netflix, Amazon Prime
Food & Entertainment - Groceries, Entertainment, Tourist, Amusement, Dining Out,
Misc - Laundry and anything that doesn't fit anywhere else.

---------------2020 Q4 - 2021 Q1
RV Expenses $992--------$1056------------(still have a loan and had some RV repairs Q1)
Camp ---------$649--------$691 (or avg 21-23 per night. (mostly private grounds staying by month, but some state parks and short stays or over nights)
Clubs ----------$36---------$18 (Escapee's mail forwarding service USPS deposits in Q4 and club yearly fees prorated)
Truck ----------$467------$545 (includes 3500 mile trip in Q4)(truck windshield replacement in Q1)
Health Care---$1317-------$16 (we had a Cobra policy in Q4 to get us to the end of the year and then went to the health exchange in Q1 BCBS HMO Policy)
Comm Internet $196------$196
Food Enterta---$828------$1217 (We eat well, went to Moody Gardens, bought new Roku)
MiscLaundry---$428-------$165 (we bought a generator in Q4)

You have to be diligent about inputting the data from your receipts but its nice to know where your moneys going. If you have excel you can you see our spreadsheet and break down. On the summary page I can input fixed cost in the white cells. There is a data page for varying expenses that are transferred to the summary (yellow cells)and totaled red cells.

Very detailed spreadsheet. Thanks for sharing!

 

[Steven@147]

I love hearing everyone's tips and ideas on budgeting. You have to have a game plan. Just for fun, here's our plan.

Will be full-timing come 2026 (not soon enough).

1. bought a lot on the Oregon coast in 2019, that is zoned for RV living. Built a 26' by 45' RV cover on it. Expected property taxes and utilities, $350/month.
2. just ordered a new 2021 Ram 3500 DRW, to be paid off by retirement.
3. retire
4. purchase the 5th wheel if we have not replaced our current TTL by then. Current favorite floorplan is the 390RK, or Beacon's similar floorplan.
5. sell the house.
6. no DEBT
7. full time with the coast as home base when we are not snow birding, or traveling the nation.

61 months to go......

Jim

You got a plan. Our plan was a lot like yours. We started to get really serious about 12 months before RV day. Getting rid of all our "stuff" was the biggest part of it. Sometimes we thought the day would never arrive. Then our house sold in one day, had 30 days to get out.

We are by no means experts on going fulltime, but for people reading along, some things to keep in mind.
Buying the RV an or tow vehicle you plan to go fulltime in is easier before you retire or sell your house. You still have your financial and property foot print so qualifying for financing is easy. Then if you want pay off the RV after you sell your house.

Health care was the biggest challenge for us to plan because we both retired and went fulltime before age 65, before Medicare. It can be real costly, our advice is to plan well that part of it. If you will be traveling a lot PPO type health plans that are good in any state can be really costly. It could be your single biggest expense. A lot of people find they can't go fulltime because of this expense.

Think about vehicle insurance, your RV and or tow vehicle is your only haven, if you lose one of them or both because of a failure, loss of use, total loss, what then?

Also plan well your fulltime state of residence. If you still have property in a state you don't have to be concerned about it. But if you are not going to have property any where then you need to think about establishing a domicile in some state favorable to RV Fulltimers. We had lived in Texas for 19 years so it was easier for us to transition and keep our Texas residency, we own no property. Texas residency has some good points and some not so good points. Read up on maintaining a domicile.

Also plan for the financial institutions that you will be using. A lot of banks and investment companies do not like working with fulltimers, just be aware of it. There are lots of banks that will have no problem with it.

Escapee's is a good place to get information. https://www.escapees.com/

Steve

 

[Roll With The Changes]

We're just celebrated our one month anniversary full timing last week. We spent about two and a half years planning and prepping for the transition.

One thing that I struggled with trying to predict the cost of full timing is separating the cost of living and the cost of life. It's hard to keep all those apples and oranges separate sometimes. What I mean is that some things are easy to see the difference with and some things get a little foggy. In my mind, expenses like food, entertainment, cell phones, etc are clearly unrelated to the roof over your head so they should not me part of a comparison. But there are other things that are needed in both the sticks/bricks and the RV. One thing is vehicles. The cost of a tow vehicle to pull the 5th wheel is a significant expense, but in the sticks/bricks you still need a car. So how does one nail down the difference in cost/use when going full time. Another thing is the house itself. You can't just use the mortgage payment as a cost of the sticks/bricks because the property still has value. With an RV, there will be a time when it depreciates to zero so again, there are some parts of the comparison that don't work. I'll wrap up with this one. Just couple thoughts to complicate things

 

[Barnabas]

For us it's less expensive to full time in the RV vs living in the house, even though there were no longer any mortgage payments. The log book shows where & how we spend the money and that's fine to help keep these things in mind, sorta like getting on a scale now and then to check your weight. A quick glance at the bottom line, either monthly or annually, really shows the difference however. In the house the bottom line was going in the wrong direction, and even after making some adjustments we realized that we had come to a crossroads. As for how we live, nothing really changed. The house simply has wheels now.

 

[ocbizman1]

We just started full-timing this year. I did a lot of research in forums like this and elsewhere to get a sense of what other people are paying and what my expenses were going to be. I took accounting in college and have been involved with accounting in some level at every company I owned or ran, so at home I've been using personal accounting software for 30 years.

I used the software to create a Full-Timers Budget. My truck and trailer are paid off, no payments. I no longer own a house and am not paying for any storage. So my budget includes only income and expenses, it does not include monthly savings goals. It also doesn't include any 'indulgences' like going to Disneyland next month. That said, my monthly expense budget is $3,500. Most of this year my income was well above that. The surplus every month goes toward savings and investments. I know that at some point I'm going to need to replace the truck and trailer. I do have a monthly maintenance budget but don't have a monthly budget for big maintenance such as an emergency or replacing the trailer tires as those are not monthly expenses. They come out of savings.

We mostly prepare all our meals on board, and maybe eat out once a week. I've budgeted $400 for groceries and so far have not gone over that. We eat a lot of rice and vegetables and chicken. For us meat is an accent to the meal and not the main part of the meal. We get eggs, dog food and a few other things at Costco whenever we can. Mostly we end up doing a grocery shopping about once a week. We also don't drink so we're not buying alcohol. I'm paying $200 for internet because we have both AT+T sim card in our router plus Starlink Mobile.

When we are not on the road we mooch-camp on a pad we built on my sons property in Vancouver/Portland area. We have water and 50amp electric, will be installing sewer probably next summer. You'd think that would save me money but I end up spending money on the kids and grandchild almost equal to what I pay for campgrounds and gas!

 

[Steven@147]

This is reaching back aways, but its always good to have a plan. Problem is we end up not following our plan!
In tracking our expense we can sure tell when we are traveling + Diesel. This year we went to Big Bend TX, Williams AZ and the Grand Canyon South, through Albuquerque NM, Tucson AZ, Las Cruces NM and site seeing on our way back East on I70 and are planted in Indiana right now.
We have been stationary here in Indiana since July - family emergency. If everything gets worked out, we head to Galveston right after Christmas. That will be expensive once I get near sea food!

This years expenses to date averaged monthly. The graphs generated by the numbers are bouncing around like a yo-yo. Our repair and maint fund took a hit this year with buying tires for the truck and RV. Plus leaf springs, equalizers and shackles for the RV and replaced the microwave/convection oven. Then we decided we couldn't live without new bicycles! We have no will power!

Grocery - $538
Dining Out - $489
Entertainment - $73
Diesel - $377
RV Maint & Repair - $279
CG Site + Elect - $716 or $23.56 per night
Truck Maint & Repair - $209
Misc Expenses - $511

 

[lineman1234]

I might as well wake this up.
I lived in my 26 foot TT for a year, to test the life, then retired and hit the road fulltime for the last 7 years. Its just myself.
I took this past winter off to try normalish living. That, is get an apartment in my northern MN hometown and sold camper and pickup last spring, and bought a new car.
It wasnt fun. So i am going back to full timing. In a month or less.
I just bought a new SRW 3500 cheby 6.6 gasser, as i had a diesel for the last 8 years and the emission's stuff on the newer ones dont work for my usage. ( I had problems ) So the gasser it is. For my use, as with added maintenance and DEF fluid as well as diesel is more than gas, the gasser is and will be cheaper per year.
I found a very clean used 2020 Grand Design Reflections 273rk, bought a few months ago, private sale, they are storing in there pole barn till i get it.
( time for the budget. )
Mine has been right on my plans if not cheaper. I like to over budget. Again, its only myself, so easy. I retired at 53 and now am 60, on no meds and no health problems at all. So far. I pay out of pocket health insurance. I do a weekly budget so ill put it down as such for this currant year, i also factor in $1,000 each year for inflation, that seems to work fine. I dont factor in a new rig or vehicle, as that money is there if needed invested in CDs. Even after just buying paid for the new pickup and camper, and needed stuff for it.
My budget, it all seems to be able to adapt one to compensate another if needed. Not that i cant increase my budget at anytime, but i need a base.
In no order.
$650 a week, $34,000 rounded up, estimated this year. I do have a more detailed paper weekly one i do, but for example it is easier to just round thing.
Some items like oil changes and tires as well as other stuff is just factored in on an average of the years budget.
$1,700 camper and pickup insurance
$600 cable tv
$500 electric and propane
$4,000-$4,500 lot/rv parks
$1,004 phone
$7,500 out of pocket health insurance
$4,000 extra stuff and maintenance.
$4,000 food and eating out
$5,200 or more spending out and about.
$4,500 fuel
What i have coming in, is a good bit more than i have going out...... That goes into CDs. I even did IRA CDs to sleep better at night. Not a big interest gain, but no loss chances.
I will add this...... My budget really went on the cheap a couple years ago when i started having stomach problems from drinking beer, i dont like wine or hard stuff so i quit drinking. And i could drink a lot of beer. That was factored in the retirement yearly/weekly budget.
I for some reason do like bars, so I drink soda at them now.
It is in the budget, but this past year being as mentioned, normalish in the apartment and with a very good fuel economy car. The normalish living is more expensive than camper life for myself.
It was nice reading about others plans and works.