Insurance and Traveling, Just in Case

Finances of Living in a Fifth Wheel Toyhauler
December 2012

Full Time RVing – The Expensive Year

Winter Traveling and Fees

December – Traveling Back with High Insurance 

Laura and Sasha Hiking and Outside Enjoying Life

Laura and Sasha Hiking and Outside Enjoying Life

If all goes according to the plan, we will volunteer in the winter (which will only be a couple of months: January, February, and most of March) and work/volunteer for six months at a National Park. After that, we are not sure, somewhat thinking of going back east for the fall. We shall see!

December 2012 – Where are we – Traveling Back West

Expenses: For the Month of December: Traveling Back West – Oh Yes, Traveling is Expensive

Expenses for December 2012

  • Food, Food and Household: $355.55
  •         , Out to Eat: $258.78
  • Clothing, Laura: $11.60
  •              , Sasha: $5.25
  • Household, Laundry: $3.50
  •                  , Propane: $16.20
  • 5th Wheel, Hotels: $293.19
  •                 , Maintenance: $26.99
  •                 , Upgrades: $4.33
  •                 , Insurance: $46.90
  • Transportation, Diesel: $1,148.21
  •                        , Gasoline: $223.18
  •                        , Truck, Insurance: $425.00
  •                        , Jeep, Insurance: $100.00
  •                        , Motorcycles, Insurance: $33.75
  •                        , Truck, Maintenance: $11.64
  •                        , Truck, Upgrades: $184.95
  • Communication, Cell Phone: $16.79
  •                          , InReach: $11.41
  •                          , Internet: $59.99
  •                          , Escapees, Postage: $100.00
  •                          ,                 , Membership: $65.00
  • Health, Both Insurance: $117.72
  •            , Other: $13.78
  • Recreation, Gifts: $30.00
  •                  , Fun Stuff: $11.00
  •                  , Charity: $1.00

Total Expenses = $3,585.71

Went Back to Old Habits And Expenses

OK, December was expensive because we were traveling back. Lots of food, diesel, gas, and insurances for vehicles.

Out To Eat, Thrift Stores, And High Insurance

Food: We went out to eat often when we were headed back. It was just that much easier and since we did not have our rig, no real way to make food in small hotel rooms. If we went more expensive hotel rooms with food, then the hotel price would have been higher, but then, how much quality are you getting for being there less than 24 hours?

When we got back to Lake Mead, we did go a little crazy with the food buying, and got lots of tasty food.

Clothing: Still going for the thrift store purchases, they are so much cheaper than regular clothing. And I think they last longer too.

Household/5th Wheel: Had to pay for laundry while on the road, and filled up with propane for just in case it gets cold. And we were glad we did this winter.

We stayed in many motels, averaging $49 a night. Some were nice, others were just a place to stay. We found that the motels that are close but not too close to a city are best, they are trying harder to get your business, and will charge less on the rates.

We had extra maintenance on the rig, not really truly maintenance, rather, weighed the rig and found we were over by about 1000 pounds. Yikes! But we were full of water, gasoline, and holding tanks so oh well. We drove conservatively and reached Lake Mead from Kingman without a problem.

This month was also the month of insurance – of the rig, the truck, and the other vehicles. So Ouch on that – insurance that nothing will go wrong and if it does, we will not have to pay too much.

Our cutting board has gotten old. It was the one we bought when we first started RVing in 2005. Managed to last pretty long considering all, but this time I wanted one that was a little more “green” so we got a bamboo one. We will see how long it lasts.

Transportation: Traveling can be expensive especially when consuming diesel. And gasoline as well. We left VA in the second week, and tried to move quick enough to get to Lake Mead so that we could start volunteering before Christmas week. Alas, while we did volunteer, we did not lead the hikes. Others did instead.

Insurance for the rig, the truck, Jeep, and motorcycles. Hmmm having five things to insure is a bit expensive, maybe we will get rid of one of them soon. (Actually will get rid of one of them, so I am slightly forshadowing myself.)

Truck upgrade was that the hitch we had was not too good, so we got a better one.

Communication: Escapees is one of the best mail services ever, and we have no problem paying them the $65 for membership and the $100 for postage. It is a great deal.

MILLENICOM – finally figured out the Internet provider’s spelling.

InReach & Cell phone is still the same.

Health: Insurance

Recreation: Fun Stuff: Mesalands Dinosaur Museum. Paid for getting in to this museum. Fun times but not as good as the museum in Fruita, CO. Still we had fun and that is what it is all about, right?

Charity: A dollar to Salvation Army

Gifts for Christmas – kept this low for this year but still had some stuff from this summer that we gave as well.

Present Day Insurance for when you need it, who know when that will be?  

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