Money Stuff - RV-Dreams Community Forum

BenMary · BenMary

Hi everyone - Ben and I are still working our regular jobs while living in the 5th wheel (a year now!), getting rid of that raising the kids debt :) We would like to trade in and get a toy hauler. My question is: getting the financing and be a fulltimer. Any advice or knowlege Thanks so much

rodsitz · rodsitz

My wife and I will begin Full Timing in about 6 months. We plan to initially travel throught the western US and on up through Canada and into Alaska in the summer. Our plan is to avoid the big cities and stick to the lesser travelled roads. How do we handle any financial needs that may come up? I'm think...

Sandy · Sandy

Just curious how you go about depositing checks that you receive via mail into your bank accounts while on the road? We are going to start full-timing in 9 months and for some reason this is something that I haven't thought of before. I currently do all my banking on-line, but occasionally we get a...

mcphelps7 · mcphelps7

Has anyone had experience owning an RV lot/pad as an investment? Would love to see some sample numbers and know how hard it is to keep it rented, etc. thank you!! -Matt

Mark and Jenna · Mark and Jenna

Hello everybody, I've been going over our fincancial situation and I need some advice from ya'll. I usually don't disclose my finances but I feel it necessary to help get some good advice about our situation plus Linda and Howard were very descriptive about their financial situation and noticed a lo...

Trabuco · Trabuco

Does anyone use a credit monitoring system like Life Lock? I've seen the ads and just curious if it works as advertised or if it's just another way to waste money.

Wish I Was There · Wish I Was There

Okay here's a question for those of you have not saved a ton of money for retirement but still make it on the road. How do you save for retirement on the road and what is your exit strategy? What happens when you run out of money? or are close to it? The reason I'm asking this is my wife and I want to full-time...

NewRoamers · NewRoamers

We are just starting to go full time so we are in the process of changing our residence from Colorado to South Dakota. Then to our horror our insurance provider (Humana) tells us that it will cost another $150 per month (that's right) to insure us because we have a South Dakota address. Any thou...

phyllen · phyllen

We became fulltime traveling RVers just last week. We came down to Texas from NJ because we believed that as a Texas resident we would have cost savings. First we had to spend $185. for mail service with a Texas address (necessary to do anything else). Then it cost $31.00 to get the truck and fiver i...

granny · granny

We are in the planning stages and after our house sells we are going to move into the rv fulltime and stay at an rv park closer to my husbands job. The monthly rate if you are staying 3 months or less is $400 and includes water and sewer hookups but not electric. I know that it varies but could you guys give me...

Waggin Tails · Waggin Tails

Is something like this worth the money? http://www.workamper.com/rvtaxmaster/2011/

TravelingDog · TravelingDog

How does the Montana LLC work? Has anyone on this forum done it who would be willing to answer a few questions? First of all, do you have to set up a domicile in Montana to do it? Does the RV have to be purchased in Montana?

Hdrider · Hdrider

Does anyone simply put there money in Bonds and call it a day?

ersanta · ersanta

Here is California gas and diesel prices have jumped nearly 30 cents a gallon. The price for diesel is up to $3.89 a gallon. If these prices continue to climb it will require decisions to be made about driving habits. We plan on migrating North to Oregon and Washington soon, but will move slower and s...

Howard · Howard

This morning, I received a copy of the following email which is being passed around, so I thought I would address it here. "Will you ever sell your house? Did you know that if you sell your house after 2012 you will pay a 3.8% sales tax on it? That's $3,800 on a $100,000 home etc. When did this happen? It's i...

Team Murc · Team Murc

Here it is; We are looking to purchase a new tow vehicle (Sierra 2500HD Crew Cab SLT Duramax Diesel) with a purchase price of about $53,000. We could pay cash for this truck but to do so we would have to use a large portion of our "emergency fund". We would then take the "monthly payment...

Colorado_Kid · Colorado_Kid

Its that time again when we pull out or receipts, bills and what not and prepare our taxes. I just bought My RV last year and wanted to know if I suppose to claim th RV on my income tax return or if I could get any deductions?

SLIPSLID-N-AWAY · SLIPSLID-N-AWAY

Hey all, In preparation for retirement (hopefully by end of year) I am on a mission to look at all our current expenditures trying to find ways to save. We have had the same insurance company (State Farm) for years. Yesterday I went on-line and got quotes from several other insurance companies for...

Olywa · Olywa

We are not on the road yet but I am trying out Howard and Linda 's 12.00 per day food budget. I would be interested in hearing how others meet there food budgets and of course sample menus that meet that budget. I have spent 122.00 on food for Feburary and it is only the 2nd of the month but since we are not ful...

djpotts55 · djpotts55

Investing for dividend income is a great way to increase spendable income while leaving the principle alone, and possible making some capital gains with time. Do others own income generating stocks, bond funds, etc? -- Edited by djpotts55 on Tuesday 29th of November 2011 11:24:48 AM

skoville · skoville

Hello All, Now that we're living off our huge SS checks, we're being told that if we not married my wife would get more money. She was approved for medicare and disability then 3 days latter got a letter saying it was rescinded because I made too much money. She needs cataract surgery, no fun being on the r...

Howard · Howard

For those that didn't happen to catch it in the Journal or on our "What's New" page, I thought I would post here. I've put together some downloadable (small fee) Excel spreadsheet templates. They were designed with full-timers in mind, but can be modified easily for anyone. Go to the Spreadsheet Dow...

Terry and Jo · Terry and Jo

The Kiplinger organization has been around for several decades, at least, and is an organization that deals in financial analysis. Today, I ran across a news story dealing with a new (October 2010) report from Kiplinger about states that were friendly to retirees. This information is valuable t...

nwlambear · nwlambear

I know I've seen a template somewhere...on here I think. But my "search" did not bring it up. I'd like a user friendly "living in an RV on the road expenses" expenses/income template to use. Just want to plug in "what if" figures IF we managed to sell our Home/Property...

SkyJean · SkyJean

Just curious what full timers spend on fuel monthy. I know it will depend on how much , often ones travels. But if anyone cares to just give an idea what they have spent in a month or past 3 months.

budhi · budhi

I am really just venting here, I am not asking anyone to make a dicision for me. LOL Well, here we are, we have had a plan and even though we haven't gone full time yet, guess our plans are to be like made in jello as the saying goes. Our next seven years was all mapped out. House would be paid off and we would b...

Spirit of 76 · Spirit of 76

I am trying to gauge the average hookup fees for full hookup. When I visit campground websites I am seeing rates averaging $30/night. That is about $10k per year. However, it seems most people claim much lower annual campground fees. What are you averaging for a year? Am I going to be at a disadvantage b...

TxYellowRose · TxYellowRose

I apologize up front, just venting, really. We are currently covered under our employer. Although I have been investigating individual health policies in depth all along, as our launch date approaches it is time to get down to the nitty-gritty of getting something. The thing is, you can't do this...

mooline · mooline

Not sure this topic is in the right place, but Howard will move it if need be, I am sure. There is much talk about which state is best for fulltimers to use as a domicile. I see some folks use relatives' addresses, especially if they live in tax-favored states. A concern I have with that - maybe unfounded...

desertnurse · desertnurse

We are just starting this adventure, and many so many things to learn!! We talked to a CPA who specializes in travel nurses (which will be me) and he actually suggested NOT renting our home (so that it doesn't become an "investment property", plus depreciating as a rental). Any advice on th...

Topic		Started By	Replies	Views	Last Post
	Buying a Toy Hauler (Preview) Hi everyone - Ben and I are still working our regular jobs while living in the 5th wheel (a year now!), getting rid of that raising the kids debt :) We would like to trade in and get a toy hauler. My question is: getting the financing and be a fulltimer. Any advice or knowlege Thanks so much	BenMary	1	1522	09:39 PM Sep 25, 2012 by Racerguy
	Financial Services on the Road (Preview) My wife and I will begin Full Timing in about 6 months. We plan to initially travel throught the western US and on up through Canada and into Alaska in the summer. Our plan is to avoid the big cities and stick to the lesser travelled roads. How do we handle any financial needs that may come up? I'm think...	rodsitz	6	1743	04:17 AM Sep 22, 2012 by heyduke
	Depositing Checks while on the road (Preview) Just curious how you go about depositing checks that you receive via mail into your bank accounts while on the road? We are going to start full-timing in 9 months and for some reason this is something that I haven't thought of before. I currently do all my banking on-line, but occasionally we get a...	Sandy	22	4956	02:38 AM Sep 19, 2012 by RVRon
	Owning an RV lot as an investment? (Preview) Has anyone had experience owning an RV lot/pad as an investment? Would love to see some sample numbers and know how hard it is to keep it rented, etc. thank you!! -Matt	mcphelps7	4	2505	08:46 AM Sep 13, 2012 by Jack Mayer
	Our Money Situation ( 1 2 ) (Preview) Hello everybody, I've been going over our fincancial situation and I need some advice from ya'll. I usually don't disclose my finances but I feel it necessary to help get some good advice about our situation plus Linda and Howard were very descriptive about their financial situation and noticed a lo...	Mark and Jenna	51	12897	10:57 PM Sep 12, 2012 by Soody
	Life Lock (Preview) Does anyone use a credit monitoring system like Life Lock? I've seen the ads and just curious if it works as advertised or if it's just another way to waste money.	Trabuco	15	3012	12:31 AM Sep 12, 2012 by mcphelps7
	Retirement and Exit Strategy (Preview) Okay here's a question for those of you have not saved a ton of money for retirement but still make it on the road. How do you save for retirement on the road and what is your exit strategy? What happens when you run out of money? or are close to it? The reason I'm asking this is my wife and I want to full-time...	Wish I Was There	23	8120	09:07 PM Jul 5, 2012 by JayKim-no regrets
	Health Ins. Cost by State (Preview) We are just starting to go full time so we are in the process of changing our residence from Colorado to South Dakota. Then to our horror our insurance provider (Humana) tells us that it will cost another $150 per month (that's right) to insure us because we have a South Dakota address. Any thou...	NewRoamers	19	4858	02:24 PM Feb 17, 2012 by Racerguy
	Thinking of Texas? INVESTIGATE! (Preview) We became fulltime traveling RVers just last week. We came down to Texas from NJ because we believed that as a Texas resident we would have cost savings. First we had to spend $185. for mail service with a Texas address (necessary to do anything else). Then it cost $31.00 to get the truck and fiver i...	phyllen	27	6003	11:10 PM Feb 14, 2012 by MaryBee
	Electric costs (Preview) We are in the planning stages and after our house sells we are going to move into the rv fulltime and stay at an rv park closer to my husbands job. The monthly rate if you are staying 3 months or less is $400 and includes water and sewer hookups but not electric. I know that it varies but could you guys give me...	granny	22	3846	02:31 PM Dec 19, 2011 by kbonano
	Tax Stuff (Preview) Is something like this worth the money? http://www.workamper.com/rvtaxmaster/2011/	Waggin Tails	9	2555	08:21 AM Nov 7, 2011 by LandYachty
	Montana LLC (Preview) How does the Montana LLC work? Has anyone on this forum done it who would be willing to answer a few questions? First of all, do you have to set up a domicile in Montana to do it? Does the RV have to be purchased in Montana?	TravelingDog	9	6527	10:39 PM Aug 9, 2011 by Racerguy
	Bonds (Preview) Does anyone simply put there money in Bonds and call it a day?	Hdrider	2	3369	04:36 PM May 5, 2011 by The Bear II
	GO GO Juice on the rise (Preview) Here is California gas and diesel prices have jumped nearly 30 cents a gallon. The price for diesel is up to $3.89 a gallon. If these prices continue to climb it will require decisions to be made about driving habits. We plan on migrating North to Oregon and Washington soon, but will move slower and s...	ersanta	20	4361	07:34 PM Feb 25, 2011 by bonnie and clyde
	Email On Tax In Healthcare Bill Re Home Sales Misleading (Preview) This morning, I received a copy of the following email which is being passed around, so I thought I would address it here. "Will you ever sell your house? Did you know that if you sell your house after 2012 you will pay a 3.8% sales tax on it? That's $3,800 on a $100,000 home etc. When did this happen? It's i...	Howard	2	2225	11:05 AM Feb 9, 2011 by janieD
	Renting, Would You? Home Rental (Preview) Here it is; We are looking to purchase a new tow vehicle (Sierra 2500HD Crew Cab SLT Duramax Diesel) with a purchase price of about $53,000. We could pay cash for this truck but to do so we would have to use a large portion of our "emergency fund". We would then take the "monthly payment...	Team Murc	3	2514	03:07 PM Feb 6, 2011 by Howard
	Its Tax Time (Preview) Its that time again when we pull out or receipts, bills and what not and prepare our taxes. I just bought My RV last year and wanted to know if I suppose to claim th RV on my income tax return or if I could get any deductions?	Colorado_Kid	13	5787	02:14 PM Feb 6, 2011 by Pinon
	Saving on insurance premiums (Preview) Hey all, In preparation for retirement (hopefully by end of year) I am on a mission to look at all our current expenditures trying to find ways to save. We have had the same insurance company (State Farm) for years. Yesterday I went on-line and got quotes from several other insurance companies for...	SLIPSLID-N-AWAY	14	3373	11:43 AM Feb 4, 2011 by NorCal Dan
	Food Budget (Preview) We are not on the road yet but I am trying out Howard and Linda 's 12.00 per day food budget. I would be interested in hearing how others meet there food budgets and of course sample menus that meet that budget. I have spent 122.00 on food for Feburary and it is only the 2nd of the month but since we are not ful...	Olywa	25	5568	12:47 PM Dec 28, 2010 by TerryG
	Dividend Investing for Income (Preview) Investing for dividend income is a great way to increase spendable income while leaving the principle alone, and possible making some capital gains with time. Do others own income generating stocks, bond funds, etc? -- Edited by djpotts55 on Tuesday 29th of November 2011 11:24:48 AM	djpotts55	30	6682	03:36 PM Dec 14, 2010 by rjenkins
	Divorce (Preview) Hello All, Now that we're living off our huge SS checks, we're being told that if we not married my wife would get more money. She was approved for medicare and disability then 3 days latter got a letter saying it was rescinded because I made too much money. She needs cataract surgery, no fun being on the r...	skoville	2	2607	08:11 AM Dec 5, 2010 by skoville
	Downloadable Budget & Income/Expense Tracking Spreadsheet Templates (Preview) For those that didn't happen to catch it in the Journal or on our "What's New" page, I thought I would post here. I've put together some downloadable (small fee) Excel spreadsheet templates. They were designed with full-timers in mind, but can be modified easily for anyone. Go to the Spreadsheet Dow...	Howard	2	5227	01:21 PM Nov 13, 2010 by Howard
	Kiplinger Report on Retiree Friendly States (Preview) The Kiplinger organization has been around for several decades, at least, and is an organization that deals in financial analysis. Today, I ran across a news story dealing with a new (October 2010) report from Kiplinger about states that were friendly to retirees. This information is valuable t...	Terry and Jo	4	4854	08:24 PM Oct 31, 2010 by Jake62
	Looking for a financial spreadsheet template to download.. full time Income/Expenses template (Preview) I know I've seen a template somewhere...on here I think. But my "search" did not bring it up. I'd like a user friendly "living in an RV on the road expenses" expenses/income template to use. Just want to plug in "what if" figures IF we managed to sell our Home/Property...	nwlambear	10	5741	11:17 AM Oct 29, 2010 by nwlambear
	Fuel Budget (Preview) Just curious what full timers spend on fuel monthy. I know it will depend on how much , often ones travels. But if anyone cares to just give an idea what they have spent in a month or past 3 months.	SkyJean	5	2939	06:05 PM Oct 28, 2010 by NorCal Dan
	What do we do NOW! (Preview) I am really just venting here, I am not asking anyone to make a dicision for me. LOL Well, here we are, we have had a plan and even though we haven't gone full time yet, guess our plans are to be like made in jello as the saying goes. Our next seven years was all mapped out. House would be paid off and we would b...	budhi	12	5826	09:09 AM Oct 19, 2010 by budhi
	Hookup Fees (Preview) I am trying to gauge the average hookup fees for full hookup. When I visit campground websites I am seeing rates averaging $30/night. That is about $10k per year. However, it seems most people claim much lower annual campground fees. What are you averaging for a year? Am I going to be at a disadvantage b...	Spirit of 76	15	19118	04:53 PM Sep 18, 2010 by Ckerr
	Health Insurance (Preview) I apologize up front, just venting, really. We are currently covered under our employer. Although I have been investigating individual health policies in depth all along, as our launch date approaches it is time to get down to the nitty-gritty of getting something. The thing is, you can't do this...	TxYellowRose	22	11444	06:22 PM Sep 16, 2010 by Steak Eater
	Concerns about using relatives' addresses for domicile (Preview) Not sure this topic is in the right place, but Howard will move it if need be, I am sure. There is much talk about which state is best for fulltimers to use as a domicile. I see some folks use relatives' addresses, especially if they live in tax-favored states. A concern I have with that - maybe unfounded...	mooline	6	3274	09:53 AM Sep 16, 2010 by jagco
	Tax homes (Preview) We are just starting this adventure, and many so many things to learn!! We talked to a CPA who specializes in travel nurses (which will be me) and he actually suggested NOT renting our home (so that it doesn't become an "investment property", plus depreciating as a rental). Any advice on th...	desertnurse	6	3510	01:58 PM Sep 9, 2010 by Pinon
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