New? Are you full timing on Social Security? - Page 2 - Fiberglass RV


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Old 11-28-2015, 03:12 PM   #15
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Coverage can depend on how you are taking your Medicare. If you are a straight, card carrying Medicare subscriber you can go anyplace that accepts Medicare. However, if you are using a Senior Advantage Plan, that is based on a group providers services, there are sometimes different rules that have to be followed for services.


For example, for minor medical issues, occurring outside my service area, I am required to seek medical care first at an Urgent Care Clinic rather than an emergency room, and I have to pay for that up front and am reimbursed for a bill I submit. The clinic may accept Medicare, but they won't accept my providers card. In the event of an emergency (like an accident) the provider (usually a hospital) will be reimbursed directly for all costs up to my coverage rules and limits.


In Kaiser-Permanente, the largest and highest rated Senior Advantage program in California, it works great, smaller ones may not be as flexible.


Thus, to stay on topic, a retiree on Medicare might not want to have a Senior Advantage program if they were traveling a lot outside their service area.
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Old 11-28-2015, 03:55 PM   #16
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While I'm not full timing I take long trips, usually many months at a time. I keep track of my spending, both when at home & on the road, and find that amount I spend (both on travel & general expenses, but excluding the cost of keeping up my stick & brick home) while traveling would fit within my Social Security allotment. It would be tight, I would have to stick to lower cost campgrounds, drive less, but it would be doable. I would not be able to keep my home & travel on just Social Security. Fortunately, I also have a 403b that I contributed to for 32 years that lets me travel & maintain a small home in upstate NY.

I actually spend less while on the road than at home - campground & fuel costs are less at home, but I am addicted to buying things at Amazon & others that just doesn't work on the road & the house always seems to need something.

Food costs are close, but slightly less on the road - I usually cook rather than eat out in both locations, but the meals at home are fancier.
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Old 11-28-2015, 04:50 PM   #17
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Okay, i'll stay on topic!

Quote:
Originally Posted by kirkman View Post
Thanks Jim for closing the other thread!
I am looking for any of our members that are living on SS with a little savings full time in there eggs. Bouncing between BLM, federal forests, and other campgrounds. Using all there skills to live frugally.
Jason
PLEASE STAY On TOPIC!


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A person living in New Mexico can purchase a Annual NM State Park Camping Permit for $180. A non resident pays $225.

With this annual permit a family can stay in any NM state Parks. Camping in the south of NM during the winter, and drift north as the weather gets warmer.

Even the cost to a non-resident is less than $1 per day for a nice camping space. The only negative aspect is that the rules require a camper stay only two-weeks at a time at that State Park. However, we found that it all depends on the manager of each state park. In any event there is many NM State Parks within a day's drive.

We became friends with a single man, with a trailer the size of a Scamp 13', that lived in the Deming, NM area year around, moving to each of the three local area NM State Parks in rotation every two weeks.

Another man, who lived in a old pickup overhead camper, camped during the summer's in northern NM State Parks, and as the weather got colder in the fall, he moved far south to the Deming area. He was a old sheep herder, and had many a story to share!

There are many fine people living in RV's on small amounts of SS, SSI, and such. The main thing I noticed was the happy people all had a positive attitude!

Bill
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Old 11-28-2015, 06:04 PM   #18
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We found living on the road less expensive than staying home, our basis is 15 years of travel averaging 7.5 months per year.

We spent less on fuel and food when traveling. When home the food budget is dramatically increased by food for family, friends and guests.

All utilities are less including heating fuel, electricity, and water.

Camping fees are about equivalent to property taxes.

Car Insurance and expenses were less than non-traveling. We burned less gas and spent less on insurance and fees. We went from three vehicles to one.

Clothing was less expensive; we have less of it and it's less expensive.

For a fulltimer, home insurance comparatively disappears.

Life is just simpler and less expensive.

I would also suggest your health will be better, both mental and physical health.

As to insurance, we travel all over and need insurance that covers us where we travel. As a result we have Medicare Supplement, Plan "J". Plan J covers you for 2 months while out of the country.

The reality is that we have rarely used our medical insurance. On the few occasions we have had to use it. There's been no out of pocket charge. We can go to anyone, anywhere.

Trailer maintenance is less than home maintenance.

I will say that one needs to consider where they are today in their spending and make a plan for travel expenses. More important though is Will you like traveling?
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Old 11-28-2015, 07:22 PM   #19
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I like where this thread is going keep it coming. 👍🏼


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Old 11-28-2015, 07:44 PM   #20
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I'm comfortable living on my pensions, even though I retired early at 62.
I have only had to dip into savings for my daughter's wedding.
But, when I retired, I had a relatively new tow vehicle that was paid for, trailer paid for, had no mortgage, no credit card debt, no debt of any kind.
I think before anyone retires, they need to retire debt.
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Old 11-28-2015, 08:15 PM   #21
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We retired at 58 to RV (with no previous experience). The death of two friends was the catalyst.

One piece of advice came from my mother in law and another from the death of my dad when he was 45. My mother in law told me the golden years are not so golden. My father's death told me life is short.

I believe in do 'it' know or face never doing 'it'.

We made our choice and are extremely happy with it. Everyone must make their own choices. Gather your data and choose.
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Old 11-28-2015, 08:18 PM   #22
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I think Glenn makes a good point. If you go into retirement with debt then whatever you decide to do is going to be more difficult than if you retire debt free. Can you full time in a tiny trailer on just Social Security? Sure! It all depends on how creative you are and what you feel you need/want.
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Old 11-29-2015, 05:02 AM   #23
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There are different kinds of debt. The one kind you definitely do not want is credit card debt. We use credit cards for most purchases but pay them off each month.

Most full timers eliminate the home so that disappears.
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Old 11-29-2015, 06:41 AM   #24
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Norm has some good points. The one we like most is "Will you like it" (full timing). We know we would not, but we do the snowbird thing for 4 months. A high school classmate just sold their house and thinks he and his wife are going to full time with a camper. Another classmate and I think they won't last more than 2 years if that. Time will tell.
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Old 11-29-2015, 06:53 AM   #25
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Having a budget and sticking to it is very important. I'm an accountant by trade (no jokes please) so budgeting is second nature to me. I know how much money is coming in each month and how much is going out. This has allowed me to retire early and live well on a smallish income. I've learned to say no to myself. No! I can't afford to go out to dinner this week...
There are always unexpected expenses, of course, like car repairs, dental emergencies, vet bills, etc. But with a good budget you can put aside a few dollars a month for such things. And many posters here are providing great suggestions for cutting costs.
OK. I'm preaching, sorry!
Anyway, I do have friends and acquaintances who live on small incomes (anywhere from $1,500 to $2,500 a month) (I know, depends on your definition of "small") and they seem to do well.
In French we don't offer someone "good luck". Instead we say "good courage". So, good courage for your retirement plans!!



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Old 11-29-2015, 06:57 AM   #26
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Bob,

When we started we expected to travel for only 3 years, thinking we'd see it all in that time period. Of course you never can see it all.

After 15 years of travel I think fulltiming or extended travels is not about seeing it all but rather about 'a life change'. I suspect that you're right, most people, or should I say most couples, may find the change difficult.

We have a rather simple view of life....as long as we're together we're fine. One of the true benefits is all the time together.

Another reality is selling your house and resetting your lifestyle, even if you give up your travels, can still be a good choice. It's interesting how we lead our selves into difficult situations, too much stuff, too much lawn, too much.....
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Old 11-29-2015, 07:02 AM   #27
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Quote:
Originally Posted by mary and bob View Post
Norm has some good points. The one we like most is "Will you like it" (full timing). We know we would not, but we do the snowbird thing for 4 months. A high school classmate just sold their house and thinks he and his wife are going to full time with a camper. Another classmate and I think they won't last more than 2 years if that. Time will tell.

But even if it is only for 2 years what a great experience they will have


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Old 11-29-2015, 07:08 AM   #28
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i became really tired of trying to figure out how to maximize my retirement and switched to trying to figure out how to live (and travel) with what i could get. i'm happy to report that i can live on a modest ss benefit (not nearly $7k) along with savings. i currently maintain a house and live in the casita about half the time. the one thing that makes it possible is that i really have no debt. i don't need a lot and feel sure i could full time solo with my meager retirement income.

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