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Finances & Money

How Much Does it Cost to Live in an Airstream? February Summary

How Much Does it Cost to Live in an Airstream Feb 2014

What amazes me about life on the road is how unpredictable it is. One month can be completely different from the last, but that’s what makes it so exciting! At the same time, variety makes budgeting difficult.

I’ll detail a post later on about how I budget in general (because that’s not really Airstream life specific) but just know that these are not ALL of our expenses. Not even close. These are just the ones that are fairly Airstream specific. We still have health insurance, life insurance, entertainment, loans on the Airstream and truck, HSA contributions, children’s savings, mortgage and utilities on the house in Lehi… You get the idea.

But aside from all that, most people want to know what it’ll cost in the Airstream. The biggest differences for us are the camping fees, higher gas spending, higher groceries, laundry, and occasionally the higher eating out (only because we never really ate out before).

This month we spent 1 week at Disneyland in an RV Park, and then another week in San Diego (actually 2 – but we crossed into March). A little bit of courtesy parking, regional park in AZ, and a National Park in CA. So, pretty varied as far as camping fees go. BUT we also drove less. WAY less. So less gas money. It seems we average out between the two most months.

Here are February’s numbers:

Feb 1st: Halfway between Tuscon, AZ and Phoenix, AZ
Feb 31st: San Diego, CA

Total miles driven: 1,301
Total miles towing the Airstream: 687
Average Towing Miles per Week: 172

Camping Fees (State parks, RV campgrounds): $1029.55
# of Nights Courtesy Parked with a friend/free parking: 2
Gas: $321.59
Propane: $55.70 (way less! Hooray for an electric heater!)
Groceries: $612.45 (also includes all paper goods, and Pull Ups)
Laundry: $21.25
Dining Out: $111.81 (does not include eating out at Disneyland – that was budgeted separately)

Here’s our 3 month average for Dec 2013 – Feb 2014:

Average Miles per Month: 1997
Average Towing Miles per Month: 1194
Average Towing Miles per Week: 99.5

Camping Fees: $23.87/night
Gas: $594.22/month
Propane: $79.44/month
Groceries: $662.56/month
Laundry: $18.42/month
Dining Out: $126.07/month

Not too shabby. We originally budgeted about $40/night average, $700 for groceries, and $700 for gas. So, under on all three! This makes me very hopeful we can continue this lifestyle without too much stress. Hooray!

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Inside the Airstream

Inside the Airstream: Where Does Everyone Sleep?

Inside the Airstream - Where Does Everyone Sleep

We had an Instagram follower ask us to detail where everyone sleeps in our 27FB International Airstream. I am more than happy to oblige. After we picked up the Airstream back in September 2013, we spent 8 days on the return trip from llinois back to Virginia. I’m pretty sure in those 8 days we tried every sleeping configuration possible. Fortunately, the short Queen bed in the Airstream had custom sheets the previous owner gave us, as well as two fleece sleeping bag blanket things. The weather was still pretty warm, so between the sheets, the blankets, and the hot weather we figured we’d last until we got back and could figure out what we wanted to do long term.

We tried converting the dinette into a bed and sleeping all the kids out in the “living” space with us on the queen bed. We tried all 3 kids in the queen bed (Cara apparently kicks in her sleep) and us out on the dinette. Then us on the gaucho (couch that pulls out into a bed). The kids on the gaucho. The kids on the floor. You get the idea. Our best configuration, by far, is the one we are currently using.

Where do the kids sleep?

ETA: This was our original layout. We have since remodeled our bedroom area and put in separate beds for the kids. See Part I of that process here.

The “FB” designation in the Airstream model stands for “front bed”. There are many layouts to choose from, but this was definitely our favorite. So those panaorma windows you see above the bed are the front of the Airstream with the hitch right below those windows. The door to enter the Airstream is in the back at the other end.

We gave up the queen bed for the kids. Sigh. Coming from a California King at our home in Utah, that was a pretty big sacrifice at first. The bedroom is also a nice enclosed space once you pull the curtain that divides it from the rest of the Airstream. What we realized pretty quickly, however, is that we can close off the kids at night and still have relative freedom ourselves instead of being “trapped” in the back while the kids are sleeping in the kitchen (midnight ice cream snack anyone?). Rachel and Andrew sleep on the queen, and generally do a good job of not hogging the covers. They each have their own pillows, blankets, and stuffed animals that I make them put away every morning so I can still have some semblance of a pretty bed. Mean, aren’t I? It is honestly still too cluttered for me, but I just keep reminding myself that its a kids’ bedroom and there’s bound to be clutter. They also enjoy their reading lights, as they usually read for about a half an hour before lights out every night.

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Cara sleeps on the floor in her “secret hideout” and absolutely loves it. There is just enough space between the queen bed and the wall of the Airstream to fit a Thermarest sleeping pad and her sleeping bag. Her Thermarest is inside one of those gray,  fleece, sleeping bag, blanket things I mentioned earlier, and she has her sleeping bag on top. That way she has some protection against the chill of the Thermarest and it doesn’t slide around. She usually has a stack of boardbooks, her dreamlight, and few stuffed animals lying around as well. To really make it a “secret hideout” involves taking the laundry basket and placing it between the bed and wall to hide her from view. Sleeping Cara here was not something we thought would work, but from the very first night, she loved it. As the weather turned colder, we’ve often checked to see that she is warm enough, and every time she has been as snug as a bug.

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Where do WE sleep?

Sam and I sleep out on the gaucho. There’s a board that slides out from under the couch, extending it, and then you just lay the cushions flat. Pretty ingenious design in my opinion. It doesn’t take us very long, so the hassle factor isn’t high. The total bed space is smaller than a double bed, but it turns out we really just don’t mind. We slept on a double bed the 4 months we were in New Zealand (just after we were married) and I feel like I have plenty of space. Sam’s story might vary slightly as he sleeps against the cold wall and I’m known to be a bit of a bed hog. [ Note from Sam: I prefer to sleep colder than Jess does, so being next to the wall is probably better. Jess IS a bed hog, but with a smaller bed, that means we get to snuggle more. 🙂 ]

We did try to sleep on the dinette space for a couple of nights, but wrangling the table down while holding the cushions out of the way got old really quickly. Plus, that space, while longer, is a bit narrower and we felt a little cramped. Our feet do hang off the bed a bit, but with our top sheet velcroed underneath, our feet stay warm. Sleeping on the outside, I generally am at an angle so my feet can rest on the dinette cushions tucked in close to Sam’s. See? We get to play footsie all night long. How adorable.

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For the trip back from Illinois, we slept just on the existing cushions and quickly realized that wasn’t enough padding. I have back problems (3 pregnancies will do that to you) so we definitely needed something with a little more cushion. We bought a 3 inch memory foam double mattress topper from Costco and used a sharp kitchen knife to cut it down to size. Using the included mattress cover + one we bought from Target we sewed together a sleeve for the pad since that thing sheds like crazy. We then got creative with a set of sheets and some Velcro and fastened together a bedroll that we can easily unroll every night. We also bought a fleece blanket from Costco, and it is amazingly warm and comfortable for how thin it is!

Sam and I get up in the mornings around 5:30am to work at the table, and the kids come out at 7am. The biggest downside of a small adult bed is that there is not enough room for us all to cuddle. I love it when my kids come climb in bed with me in the morning and we take 20 minutes to wake up together. These days we just take turns, and it works out okay.

IMG_4294-EditEvery morning, we roll up our bed, wrap our Fastex buckle straps around it, and dump it on the opposite side of the queen from Cara’s spot. It is generally out of the way and Cara can still take a nap on her bed if we think she needs it.

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We have plans to remodel the bedroom area and either put in bunkbeds for all of us, or create a more U-shaped configuration of 3 beds for the kids while we still sleep out on the gaucho. Nothing has been decided for sure, except that whatever we do will happen when we get back to Utah in the spring and Sam has access to all his tools.

While not the perfect arrangement, it works for now. Everyone gets enough sleep, Sam gets enough work in, and most mornings I’m so cozy I can barely drag myself out of bed.

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Finances & Money

Health Insurance for the Self-Employed

Health Insurance for the Self EmployedOver the last 10 years, we’ve run into a lot of friends, relatives and acquaintances that were thinking about leaving the 9-5 hamster wheel and venturing off on their own. There are definitely a lot of perks. No set hours (unless you get a picky client), you can choose which clients or projects to take on, most of the time you get to work from home, more time with family, etc. The number one logistical technicality holding them back? Health Insurance. For some reason in our American culture, we have traded freedom and flexibility for the idea of benefits from a large (or small) corporation.

I’m guilty as well. When Sam was almost done with his Master’s thesis and we were looking around for the next step, I was giddy with excitement. We were going to have a REAL job, and they were going to give us BENEFITS. I wasn’t going to have to worry about health insurance anymore, it would magically be taken care of for me.

Not the case.

I realized I no longer had control over which health insurance company we would be associated with, that our employer did not pay ALL of our health insurance costs but a portion was still pulled from our paycheck, and that some of the plans really just did not meet our needs. I felt trapped. After years of being in control of our health care I really struggled.

After Sam quit the 9-5 and we went back on our own, I sighed with relief.

So, what do we do for health insurance?

Let me preface this by saying everyone’s needs are different. What I term adequate health insurance coverage may not fit your family’s needs. We are young, healthy, and have no plans to add any more children to our family. I also have not sat down with our health insurance agent to go over our options with Obamacare’s new rules. Since we’ve been on the road, we basically just kept the same plan as last year although there’s probably something better out there. We’ll sit down with him later this spring when we get back to Utah.

We have 3 different plans to cover our needs: and HSA general health insurance plan, Dental Insurance, and a Supplemental Accident plan.

The HSA: $258.51/month

 We have a high deductible ($10,000), Health Savings Account plan. The HSA plan is basically a savings account with a debit card that I spend on medical and health related purchases. Every month I transfer $200 from our personal checking account over to the HSA account (all of our accounts are currently with Chase), and then whenever we have something medical related I pay for it with the associated debit card. Its easier that way because I don’t have to keep track and reimburse myself for purchases. With the HSA account they give you a list of qualified purchases and you have to log in and verify that what you spent does indeed qualify. Over the counter drugs, sick doctor’s visits (well visits are covered 100% under Obamacare), and chiropractic visits are probably our 3 biggest expenses.  The HSA account also rolls over every year so you don’t have to go on a mad doctor spree in December to use all your money.

In a previous post, I talked about having a savings buffer. We have $10,000 sitting in our bank savings account to cover our deductible (or anything else for that matter). Yes, its a high deductible, and I’d probably cry if something happened and we had to use it but it also wouldn’t break us. We would recover. That’s what insurance is for anyway right? To provide relief so that any imaginable situation is not un-recoverable.

Dental Insurance: $54/month

Our agent found us a cheap one. We’d never really had dental insurance, but Sam has notoriously bad teeth and I figured we probably needed something for the rest of us as well. For a few years I just paid out of pocket, but that got old and really expensive. I’m still undetermined if it actually saves us money in the long term, but we’ll go with it for now.

We have dental insurance through a smaller Utah company called Total Dental Administrators of Utah, Inc. (TDA for short). You basically choose from their very small list of providers and set a dentist that you’ll go to every time. The insurance has a discounted price for what different procedures cost, and you pay that at the office. We chose the dentist recommended and used by our agent. He’s great. Probably my favorite dentist since we’ve been married actually. Nice office, close to home, and does great with the kids. Downside is that its in Utah so if we keep this plan we’ll have to travel through once a year and set up visits.

Supplemental Accident Plan: $53.10/month

This was also recommended by our agent. It basically covers any unforeseen accident. Whether its Sam using tools and he slices something, or one of the kids breaks an arm jumping off rocks we are covered. This gives me piece of mind that if something catastrophically accidental occurs our insurance will pay up to $7500 per person with only a $100 per person deductible.

While our insurance isn’t perfect, and does take a bit more effort than going through a company, I really like being in control of it. I’m actually excited to go back to Utah, sit down with our agent and discuss the best options that are available for us. For those of you that are on the road or self-employed what have you found for insurance that works for you?

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Finances & Money Selling Our Stuff

To Sell, or Not to Sell? What to Do With the House?

To Sell or Not to Sell. What to do with the House
Traveling so far we have run into so many families that have sold everything for their life on the road. Whether out of necessity, or to just downsize and live simply, selling the house and everything in it is one way to fund and maintain a life on the road.

Others we have run into rent out their house or simply leave it empty if they know they will be back. Many families are out for a year or so, quitting their jobs, pulling the kids out of school and living on savings. This makes sense to keep the house since their return is inevitable.

Leaving Utah last July we never imagined we’d end up with an Airstream and want a life on the road. As such, we still have a house in Utah we need to go home and deal with. Our home exchange partners have left, so we have friends keeping an eye on it for now, but we can’t ignore the giant hole that our money is draining down.

The problem is, we love the house. Well, maybe we love the idea of our house. It’s our first one. We brought Cara home from the hospital to that house. We put a lot of love, sweat, and tears into turning it into our home. The idea of selling frankly scares me to death. Our kids are adamantly against it and I don’t really blame them. Prior to traveling, a large portion of their identity revolved around where we lived. We live around the corner from our best friends and it would be really hard to give that up. Plus, I just finished sprucing up my office and I love it. Being in there makes me happy.

Being on the road makes me happier. There’s the problem.

As a culture, why is it we become so attached to things? Even thinking of selling our dining room table that we hunted for, or the downstairs couch I agonized over and went to 5 different stores before picking out the perfect one makes me want to break down in puddle of tears. Why is that? We’ve gone over and over it. Its just stuff. Its replaceable. We never wanted to end up in Utah anyway. But why is it so hard?

So there’s our current dilemma. To sell? Or not to sell. We’ve been told the REAL estate market in Utah is great for sellers this year. If we are going to sell, now is the perfect time. And yet, we are all not sure if we can let go. We hope we’ll know when we get back there. Most of our journey so far as been by faith, and I think this will have to be as well.

Just to get nostalgic – I thought I’d share a few photos of our cute house with you. You know, because in another few months it could be on the market.

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Finances & Money Most Popular Posts

How Much Does it Cost to Live in An Airstream? January Edition

How Much Does it Cost to Live in an Airstream Jan 2014Another month gone by! Time seems to be flying. Another month means we re-evaluate the biggest questions: How much money is it going to take? Can we really make this work?

Comparatively, January was better than December. I think. We definitely spent less money on camping fees (staying with friends, boondocking, and turns out New Mexico State Parks are ridiculously cheap). However, what we saved on camping fees we spent on gas as we are still traveling too fast. It was also very cold for a bit there so we spent more on propane.

Going into February we definitely predict camping fees to go up. Moving into California, we will have a week in Disneyland at an RV Park, plus California State Parks are just expensive. We have put into motion the acquisition of a generator and that will help with recharging our batteries and giving us more flexibility on where we stay.

Enough talk. Here’s the numbers for January:

Here we go:

January 1st: South Houston, TX
January 31st: Halfway between Tuscon, AZ and Phoenix, AZ
Total miles driven: 2,443
Total miles towing the Airstream: 1,666
Average Towing Miles per Week: 416

Camping Fees (State parks, RV campgrounds): $276.70 ($15.37/night average)
# of Nights Courtesy Parked with a friend/free parking: 13
Gas: $834.19
Propane: $98.99
Groceries: $598.90
Laundry: $4.25
Dining Out: $85.83

And here are December’s just for comparison. Next month I think we’ll do a 3 month average:

December 1st: Tampa, FL
December 31st: South Houston, TX
Total miles driven: 2,247
Total miles towing the Airstream: 1,228
Average Towing Miles per Week: 277

Camping Fees (State parks, RV campgrounds): $842.45 ($31.20/night average)
# of Nights Courtesy Parked with a friend/free parking: 4
Gas: $626.88
Propane: $83.62
Groceries: $776.32
Laundry: $29.75
Dining Out: $180.58 (ouch! I didn’t think we ate out THAT much. It must’ve been the beignets in New Orleans!)

Obviously there are more expenses (clothing, entertainment, decorative upgrades, etc.) but these are the main ones. The thing is, what it costs to live on the road is highly subjective. Just as living in a house can be. How nice of an RV Park or Campground do you want (camping fees)? How far are you traveling every week (gas)? How many people in your family (groceries)? How cold is it outside (propane costs)? What do you like to do for fun (entertainment)? These costs completely vary from family to family just as they would in a brick house.

If you’d like another opinion on costs of traveling full-time, our instagram friend Kyle has a great article that breaks down various costs on his blog Where Is Kyle Now? Go check it out and let us know what you think!