New? Are you full timing on Social Security? - Page 4 - Fiberglass RV


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Old 11-29-2015, 11:54 AM   #43
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My back yard is a lot nicer, and more private, than most campgrounds.
It's why we often come home early.
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Old 11-29-2015, 12:17 PM   #44
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Originally Posted by Bill Nolen View Post
One suggestion that I haven't seen offered....or maybe I overlooked it...is someone who owns a home can rent it out while they try out full-timing. The rent received should cover any mortgage and insurance costs.

That way they will still have a home to return to if full-timing doesn't work out.

I'd suggest that a person wishing to do that considering letting a Real Estate Broker. who manages Rental Property, manage the property for you. They should properly screen any renters to ensure that the rent is paid!

Bill
Years ago we met a retired couple that did this. Rented out their house and traveled. Northern states in the summer, southern states in the winter. Did the east coast one year, central states the next, then on to the west coast the next year. And they still had a house to go back to when they felt their traveling days were over. A house they knew and liked, in a location they liked, with friends and family in the area. Good idea Bill
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Old 11-29-2015, 12:34 PM   #45
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Originally Posted by Glenn Baglo View Post
My back yard is a lot nicer, and more private, than most campgrounds.
It's why we often come home early.
We too have a gorgeous back yard, but alas, we have endlessly explored it. There is soooo much out their on this continent we have no explored yet.
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Old 11-29-2015, 12:51 PM   #46
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Living ON SS

I love this forum. I get the daily emails and really enjoy reading the new posts. I am still a few years away from retirement but am planning on full time RVing.

One suggestion I would make is to try full timing for a few months in a local camp ground or KOA camp to see how you adjust. I went through a divorce 3 years ago and lived full time in my 5th wheel during the divorce. Spent the winter in a three season camper so had to do some work to get it not freeze up but even with that headache I really enjoyed it. The cost was cheaper than my sticks and bricks home and I believe I would be comfortable and get by on SS alone. I will have another small pension in addition to SS when I retire plus debt free and a paid off camper and truck so I should be comfortable.

I really enjoyed reading this thread!!!
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Old 11-29-2015, 01:24 PM   #47
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I try to balance the best of several worlds in retirement.
Judy and I both have houses, hers is on Lake Chelan in WA, mine in SoCal. Needless to say, Alaska Air gets a lot of our spare change.....


We both rent out extra rooms/suites. Rental income takes care of all of the house payments and utilities, and we always have someone in both houses when we are on the road. And, we still have our own homes to come home to..... Plus, we become snowbirds by default.
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Old 11-29-2015, 01:33 PM   #48
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With you

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We too have a gorgeous back yard, but alas, we have endlessly explored it. There is soooo much out their on this continent we have no explored yet.
The known can be wonderful, it can even be the best there is but it remains the known. If you are not excited by the new, if you don't wonder how and why, extended travel may not be for you.

I am forever wondering. Today I went down to learn how our campground sewer plant works. There's just something to learn every day.

As we drove to Alaska, Ginny virtually read the Milepost to me so we could lean what there was along the entire route. Ginny is very much into the journey and not the destination. Everywhere you go there's something you probably can not imagine.

I do understand the sometimes need to focus on the destination for an assortment of reasons but it can become ones only way to travel, long driving days, few stops... In your road route and in yo if you just extend yourself a little there's much along the way to enhance your life.

If all you do is talk football with your wife you can eventually expect a glazed look. Wonder about her and her thoughts and she'll wonder about you.
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Old 11-29-2015, 02:17 PM   #49
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My Grandmother (1898-1989) was a woman before her time. In 1960 she retired and, with a 1958 Studebaker station wagon and a 12' travel trailer, she hit the road for 6 months, 2 years in a row, alone. And she didn't even learn to drive until after my grandfather passed away 5 years earlier.


Her secret: (to stay on topic) "Every town in America is famous for something, just stop and ask". Back then her (Canadian) smile got her everything from information, to a place to park for the night, to free dinners, to a lot of long time friends. About ten years later, one of the 4 husbands she managed to outlive, also came to be as a result of those trips. No question about it, for her times, she was a Hottie.....


I've looked a lot and it's pretty hard to find a place that's not famous for something when I ask....
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Old 11-29-2015, 03:33 PM   #50
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So far answers to this post indicate only Norm and Ginny are full time, retired and collecting social security....so my question to them is simple...are you spending only social security income to finance your travels, gasoline costs, camping costs, food costs, insurance costs etc ???...or are you finding it necessary to dip into other cash or investment income to finance your life style?

I know what I get in social security monthly after taxes and Medicare insurance costs and I would not be able to maintain our lifestyle on social security alone.
We shop at Walmart and not Whole Foods. We dine out at restaurants a few times a month...sometimes more ...sometimes less. We buy our clothes on sale or at outlet shops to save money and we pay our state sales taxes, state income taxes, town and county real estate taxes, school taxes on our real estate and there is no way I can see anyone making ends meet on what social security pays.
Suggest you do a real budget...include it all and I believe you will come up short.

I firmly believe there is no way to live in comfort and enjoy life on social security alone. Retirement should be enjoyed and not just a survival endurance test.

Save a lot while you are working....you will need every dollar you save.
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Old 11-29-2015, 04:22 PM   #51
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Originally Posted by Uplander View Post
So far answers to this post indicate only Norm and Ginny are full time, retired and collecting social security....so my question to them is simple...are you spending only social security income to finance your travels, gasoline costs, camping costs, food costs, insurance costs etc ???...or are you finding it necessary to dip into other cash or investment income to finance your life style?

I know what I get in social security monthly after taxes and Medicare insurance costs and I would not be able to maintain our lifestyle on social security alone.
We shop at Walmart and not Whole Foods. We dine out at restaurants a few times a month...sometimes more ...sometimes less. We buy our clothes on sale or at outlet shops to save money and we pay our state sales taxes, state income taxes, town and county real estate taxes, school taxes on our real estate and there is no way I can see anyone making ends meet on what social security pays.
Suggest you do a real budget...include it all and I believe you will come up short.

I firmly believe there is no way to live in comfort and enjoy life on social security alone. Retirement should be enjoyed and not just a survival endurance test.

Save a lot while you are working....you will need every dollar you save.
We're decidedly different than many.

We traveled 7.5 months a year. For almost all that time we owned a home that for some years the home barely saw us. That home cost us about $10,000 a year to own. The balance of our yearly expenses were typically paid for by SS or 'equivalent cash'.

I say equivalent cash because for the first years we were not old enough to collect SS, we started the adventure when we were 58. None the less our yearly living expenses were the order of $36,000 a year plus the $10,000 cost of the house.

As a result over the 15 years we owned it we spent $150,000 on the house. Initially Ginny thought we'd be coming back, that I would return to my workaholic ways. By the time we agreed to sell it the world was in turmoil and in many ways still is.

In retrospect it was a significant error. Without the house we could survive on SS or the equivalent.

We have always lived comfortably. Our best thing is that we personally don't need a lot to live well. Ginny is very happy with a $1 McDonald's hamburger or a PB&J. Our first 6 months out we each had 75 PB&Js, we kept track because we thought it was funny, we really are silly kids. Most of the time we ear in the rig, and always breakfast in the rig.

Our first 10 years we wrote down everything we spent. Of course food, gas and RV parks were less in the early days.

We have only camped at Walmarts once but have parked in numerous Federal Parks, Passport Parks and Escapee Parks. We generally say away from the high density tourist campgrounds. We rarely park in a FL coastal park.

We pay very little in the way of taxes. Our state does not have a sales tax or state income tax. I work to minimize federal taxes.

We only own one vehicle and keep it for 10 years. We buy very low maintenance cars, and rarely bring it to a dealership.

If you ever meet us you'll recognize how happy we are, that we are comfortable with life, our travels and each other. I suspect if we had more money we'd give it away.

Now that we're really old, we don't worry about money very much. Our kids have told us to spend our savings. We don't seem to need to do it.

We have a $15,000 house in FL, monthly maintenance in our beautiful Escapee park is $120 a month, those who've stopped by know our park.. We spend about $75 a month for electricity and $70 a month for insurance. The total cost to live in our FL home is less than $300 a month, heated pool, grass cut, warm weather and a fraction of what we get from SS. And the yearly taxes on our house, yearly is $35. Isn't this a great country?

We have never lived on a budget but writing down every expense daily makes you conscious of money. 15 years have taught us a lot.

We have friends who have fair incomes but spend money in ways we don't. We always have small used rigs. We know friends that have an outfit with them for every holiday..we do none of that... no matter what Ginny wears I'm happy.

I'm wandering now..I can go on and on about our RV life. It has provided a wonderful background for our lives.
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Old 11-29-2015, 07:21 PM   #52
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Norm and Ginny, I am from Plymouth Ma and go to NH frequently. I am looking for a Scamp in New England and have had no luck all summer looking. I am selling my pop up Starcraft 2007, and hope to use that money for a down Payment on a 13' Scamp. Do you ever see any in your travels? I too am camping on my retirement monthly paycheck. I notice that when I look here, no prices are posted. Making it difficult to shop.
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Old 11-29-2015, 08:40 PM   #53
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Rita,
We no longer have NH as a residence.

Do you use Craig's List? You can create a search that covers a 200 mile radius from your home.
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Old 11-29-2015, 09:02 PM   #54
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So many different people and situations. Okay here is ours: we are a lesbian couple of 27 years and fulltiming in a Casita for the past year. We have a monthly income of less than $3k/month (social security and small pension). Can it be done? Hell yes. Easily? Not always. We struggle with healthcare and saving for emergencies. We still owe on our tow vehicle but no other debt. We love each other, love our Casita and the desert southwest. (The New Mexico state parks are an awesome bargain.) While we cannot have everything, we have a lot (including eating out). Money is not everything but it is not nothing either. I wish I could meet more people who are like us and less like the big rigs on vacation.




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Old 11-29-2015, 10:41 PM   #55
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The OP may say this is all going off topic again LOL but I will respond to you anyway. It won't be political or religious!

I think you have it there as to why there are fulltimers who are thrilled to be full timers: they do not like their jobs or their houses necessarily, and the hassle and maintenance, and they want to be free of all of that. And the next place when they do not like where they are sitting because of the neighbors, weather or something else, they hook up and go.

You like where you are and your life in general. They often do not but then there is the interest in seeing the country and learning about other places and people. You may have the kind of set-up that they would like and they may go looking for it in their travels. They know they have to end up somewhere off of the road.

I think you are right on the money situation in that they can manage it as full timers if they managed it before. The ones on SS manage with SS. It is really irrelevant as to whether the income is SS or some pension or something else. People do what they have to do to find free or low cost parking if they want to be out there, as that is likely the biggest drain.


Quote:
Originally Posted by P. Raz View Post
My parents were raised during the great depression. Their experiences and behavior had a big influence on me. Early on I learned that when I worked I was trading hours of my life for money. Debt was something to be avoided if possible. As such I'm more a saver that a spender. I also try to avoid anything that involves a contract or has fees. I prefer pay as you go. In retirement I'm debt free.

Unlike Norm, full timing or even long term travel does not have the draw for me. I'm good for about a month and then I'm ready to go home. I like where I live, though I admit by March I've had enough of winter. I like my woods; walking or snowshoeing with the dog. I like my garden. I enjoy cutting firewood in the summer and spending hours tinkering in my shop any time of year. This is home and I guess I'm a homebody at heart.

I would suggest that folks who were good money managers prior to retirement will be good money managers after retirement whether they are on the road fulltime or not. And more likely than not they will not be living on just social security alone but if they had to, they could. Raz
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Old 11-29-2015, 10:51 PM   #56
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See below starting with New Mexico --- (problem posting)

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So many different people and situations. Okay here is ours: we are a lesbian couple of 27 years and fulltiming in a Casita for the past year. We have a monthly income of less than $3k/month (social security and small pension). Can it be done? Hell yes. Easily? Not always. We struggle with healthcare and saving for emergencies. We still owe on our tow vehicle but no other debt. We love each other, love our Casita and the desert southwest. (The New Mexico state parks are an awesome bargain.) While we cannot have everything, we have a lot (including eating out). Money is not everything but it is not nothing either. I wish I could meet more people who are like us and less like the big rigs on vacation.




New Mexico is a good deal but do you leave in winter? I know it is often below freezing even in southern NM. Even at Quartzsite, it is freezing now. Are you Escapees members? That can get you some inexpensive parking. Do you do any volunteering or workkamping to get free hookups for a few months?


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