Money Stuff - RV-Dreams Community Forum

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.

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...

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...

injunear · injunear

Is anyone using USAA for their banking ? We have received ads through our local American Legion. We use US Bank online services now, but are thinking about changing. Wayne

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...

bonnie and clyde · bonnie and clyde

I know--we should be able to live on less. Til I pay my 900 a month for hospitalization, pay our real estate taxes of 3800. a year, pay for traveling 100 days a year, keep our house maintained, pay for gas, all our insurances(auto/life/ umbrella liability/2 cars/ a truck and a 5th wheel), donations, gi...

Waggin Tails · Waggin Tails

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

kimbrellsf · kimbrellsf

Having looked at Howard & Linda's expenses, sample budgets and some others I found online, I've been shamed into reducing our grocery bills. I already knew I spent too much, but I'm way out of line compared to other peoples budgets. Ok, I spend too much on wine, but is that 'Food' or 'Entertainm...

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...

DorisandDave · DorisandDave

For those of you military retirees, under age 62, do you fulltime with Tricare Prime or Tricare Standard? We are on Prime now and as I understand it if we go ahead and change our address to South Dakota, then we will have to change our provider area. I was just wondering how it all works for those that have...

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...

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...

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...

Topic		Started By	Replies	Views	Last Post
	Our Money Situation (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	35	3259	03:07 PM May 13, 2012 by rvingft
	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	12	355	07:06 PM Apr 25, 2012 by 2riker2go
	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	19	1640	10:05 AM Feb 17, 2012 by Technomadia
	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	1705	06:24 AM 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	2018	03:10 PM Feb 14, 2012 by MaryBee
	Banking with USAA (Preview) Is anyone using USAA for their banking ? We have received ads through our local American Legion. We use US Bank online services now, but are thinking about changing. Wayne	injunear	8	1154	05:16 PM Feb 13, 2012 by retirednana
	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	1125	02:31 PM Dec 19, 2011 by kbonano
	How does one live on $4000. a month ( 1 2 ) (Preview) I know--we should be able to live on less. Til I pay my 900 a month for hospitalization, pay our real estate taxes of 3800. a year, pay for traveling 100 days a year, keep our house maintained, pay for gas, all our insurances(auto/life/ umbrella liability/2 cars/ a truck and a 5th wheel), donations, gi...	bonnie and clyde	50	6002	10:09 AM Nov 10, 2011 by Hina
	Tax Stuff (Preview) Is something like this worth the money? http://www.workamper.com/rvtaxmaster/2011/	Waggin Tails	9	541	08:21 AM Nov 7, 2011 by LandYachty
	Food (Preview) Having looked at Howard & Linda's expenses, sample budgets and some others I found online, I've been shamed into reducing our grocery bills. I already knew I spent too much, but I'm way out of line compared to other peoples budgets. Ok, I spend too much on wine, but is that 'Food' or 'Entertainm...	kimbrellsf	22	547	05:48 PM Oct 7, 2011 by Jims carrilite
	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	1624	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	2092	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	1105	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	710	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	608	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	1128	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	867	11:43 AM Feb 4, 2011 by NorCal Dan
	Fulltiming with Tricare (Preview) For those of you military retirees, under age 62, do you fulltime with Tricare Prime or Tricare Standard? We are on Prime now and as I understand it if we go ahead and change our address to South Dakota, then we will have to change our provider area. I was just wondering how it all works for those that have...	DorisandDave	12	1052	04:31 PM Jan 14, 2011 by MKM
	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	2545	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	2893	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	915	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	1687	01:21 PM Nov 13, 2010 by Howard
	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	22	2366	01:52 PM Nov 7, 2010 by crouton
	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	1559	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	984	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	970	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	1247	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	2112	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	2045	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	1039	09:53 AM Sep 16, 2010 by jagco
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