DRASTIC Changes to Lower Our Cost of Living! | Full Time RV Life Stationary Budget
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- เผยแพร่เมื่อ 19 ก.ค. 2024
- Our Florida house SOLD and we are living in our camper full time! See how low our bills are now. Months of hard work have paid off and we are more free than ever. Now it’s time to rest and plan some adventures!!!
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I am definitely one to admit when I'm wrong, and in my comment on one of your previous videos, I was wrong. I recoiled when you said you moved from a paid off home to a camper. However, I agree that Florida is a hellscape of economics right now. We are even considering purchasing an RV right now, spending 3 years paying off our debt, another year saving, then purchasing a home, paying off the RV, and putting that on the home as well. We rent right now, and while an RV is indeed a depreciating asset, any asset while paying off debt is better than renting, which has no ROI. I also homeschooled my youngest son and he is already taking computer science courses at a CC at 17 years old, with a rule of no student debt and 50% of his paychecks must go into an interest bearing account or Roth IRA. This country is an economic mess, and we are all going to have to tighten our belts. Kudos to you for not listening to people like me in the beginning. Keep on going! I'm an MBA and researcher, and you are teaching me to let go of garbage beliefs. I'll keep following and watching....
It is very nice to hear someone openly change their opinion. That takes guts and should be a model for everyone. Whether viewers think things are good or bad it never hurts to tighten our belts. For example, just because I can afford it does not mean I should buy it. There is a ton of waste regardless so my
Goal is to buy what I need and will actually use.
We bought a homestead in Tennessee in 2015. Then a second homestead. Sold our big suburban home. Now we own two other homes besides our homesteads. Ones in the city we rent it out. And we live on a country home on a couple acres. We are selling it all and buying in Florida. We are older it’s were we want to be. Our youngest daughter just became a doctor and she’s working in a hospital in Florida. So we will live hopefully close to her. Within a hour or two. We had so many tornadoes in Tennessee last year that we still have damage at all of our properties. We had tornadoes after tornadoes. It’s was scary ! No warning ⛔️. Also our insurance company was threatening to cancel on us after 40 years with them. And we had not had a claim in 15 years. Our insurance went up a lot , I have never seen insurance go up this much in my 42 years of owning property. But it’s because the disasters will keep coming. It’s not just Florida experiencing these issues it’s Tennessee too. So we plan to buy a homestead again, Florida has lots of options. Beautiful places on 5/7/10 acres with pools and nice homes. An low taxes. For us now it’s about where do we want to be. And Florida has been a second home for us for many years. I have even live full time in Florida. The problem with all the natural disasters is the Sun. It’s exposing daily causing the magnetosphere to change so that birds and animals don’t know there way around. And it’s effecting humans too. True crime is also exploding. With each X flare we get more earthquakes more volcanoes going off. And our planet Is being shook up. It will get worse. Plus you can’t invite thousands an thousand’s of illegal immigrants into a country and expect it’s going to be ok. The US economy will crash. CBDC’s are coming. And I would be very careful which crypto you invest in. Because bitcoin will crash , it’s too heavily invested in USDT. You can not run from what is coming or hide out in the caves or mountains as the king James tells us . We need to get in a place and make sure we are self sufficient. Can grow food have some live stock , solar and ways to live without power and hunker down. In the movie “ leave the world behind” those are astroids hitting at the end. It’s not an attack.the movie was a for shadow of what’s coming caused by solar explosions. The second sun has made it close enough. The scientists said in 1980 it’s 50 years out no worries. Well now it’s time. Don’t worry just prepare.
What ya think about her baby crawling around on the border wall in the dirt where people are peeing?
Congratulations on selling your home, and the camper is looking great. Y’all are doing good and so proud of you for being more free. May 2024 be a glorious year for your family. God bless.
Yay❤❤❤
I was really having a hard time thinking through a job offer that would pay me more but take away time from my family. With 4 kiddos under the age of 16 it was so tempting but I also do not want to miss anything with them. The money was so tempting but it is a real blessing to have the option to be with them and cut back on everything we can. Thank you for reminding me what is important. This video was a god moment for me. ❤
This sounds like a great move for your family my parents raised myself & 4 brothers in a caravan & we traveled all over Australia 🇦🇺. We didn’t have any money but boy we have some wonderful memories, meeting new friends,having fun experiences. We were considered poor but we didn’t feel poor it’s a wonderful life not being tired down to normal everyday life.
What you guys are doing is going to be great and the best thing for your family. Being financially independent is so freeing.
The RV looks so bright and welcoming - amazing that you've made so much progress. Your budget is so impressive.. I love that you're making a full and happy life for your family so frugally. Amazing.
Excellent point on most people spending more than that on a vehicle. Congrats on selling your home! Must be such a relief!
Admiring you and your family from Australia 🇦🇺 I know you get a lot of judgement from others my opinion is that you are creating amazing memories for your kids and teaching them amazing life lessons it is not all about possessions. We have been raised to believe we should all work a 9-5 and "own" a home but our best years of living are working and spending very little time with our children. If people opened up their eyes they would realise you are living the dream! Positive and love to you guys! 💖
This video is 🦉 approved.
Good job. Yall are on a roll. Stay the course.
🦉
I really like your videos. I bought a mobile home because real estate is unaffordable where i live. Im single with my 3 kids. Take care.❤❤❤
Congrats on the sale of the house!! I personally think you are doing a wonderful thing for your family. Your kids are benefitting in so many ways from the lifestyle you are creating. I really admire you getting out of the rat race too
I love the idea of freedom you are dreaming of, and I hope you can make it happen with smart money management and not having too much overhead. A lot of people can learn from you, but many are also fearful and lash out at such ideas because they represent a threat to their status quo way of life. Good luck!
Some arent willing to live like that and that is fine so long as they are happy with their lifestyles and can afford it. Different strokes for different strokes.
You are doing the right thing and are a wise women I am on the same mindset 🎉
Congratulations on selling your home! I know the closing of your home has taken a lot of stress off of you and your husband. I am looking forward seeing your upcoming travels.
Congratulations on selling your home. That must be a big relief. Your current budget is impressive. I’m wondering how you’re paying your bills. Are you doing Instacart, DoorDash, or using your TH-cam channel money? It will be fun to see your travels in your new camper.😊👍
Sounds like a great idea for your family. Gives you room to breathe while you are searching for a homestead
I only wish I could have had this much insight when I was your age. Nothing, nothing is more valuable than time. Not enough people think of time as valuable as it really is. Best to you and ur family. 💗
My husband and I have thought about living in a trailer, because of the cost of living and rent is redirects. We live in Michigan the southern part.
Congratulations on selling your house. I know that's a load of stress and worry off your shoulders !
Where do you budget in personal products ? Like shampoo. Soap. Tooth paste. Feminine products . medications Detergent. Razors. And cleaning products ? Is it in within your grocery budget ? And where do you shop for them ?
Also internet for schooling and cell phones ? Where in the budget would you put these expenses ? Happy Holidays :)
The camper was a steal for $9000 with the sweat equity you put in! That is wonderful. I look forward to seeing the continuing improvements to the camper.
Your kitty cat is so cute, looks like my Patches who I had for 20 years. Still miss her. Congratulations on selling your home, I know it is a relief to have that off your shoulders. The camper is looking good and so is your budget.
You are doing great!! Just keep the spirit and stay happy
Real estate is not the only investment. So true. Your trailer is looking so cute!
Virginia connections academy is a free virtual public school i live in texas and my child is at texas connections academy this school is a fantastic alternative to traditional home school
I like your channel very much. But the sleepy kitty stretching while you show budget was the cutest thing ever.
I’m glad this has worked out so far for you. I couldn’t do it, especially with 3 children, including a toddler. I couldn’t leave a house, proper shower, flushing toilet and facilities. You are certainly determined, brave, smart and know how to make the best of your situation. All the best.
Congratulations on your sale! So excited for your family and this new chapter!
Love your kind of life!! Best wishes
Congrats to u on the sale of your house! All your hard work is paying off! It will be such a nice peaceful Christmas for u and your family! Enjoy the Holiday season! 🌲😀
Merry Christmas to you and your family. Love to hear how it is going and the updates you made to your new Casita😘😘
love your channel! I've been watching you for a while now, and you've inspired me to reflect on my own value-based spending. I appreciate your perspective on frugality and simple living.
Happy New Year to you and your family. Hope all is well and we are all looking forward to a new year of videos .
You really educate yourself on the financial facts and think them thru. Impressed.👍
Hi Katie 🌻
Hope you and your family are well. . May ya'll have a Merry Christmas 🕊️ God Bless 🌟
Wow! U guys are AMAZING! The camper is NICE! 👏🏾👍🏾
Great budget and a great video like always
We bought a brand new triple wide in 1998. Yes it depreciates but…. De were paying 650 a month for a nice sized home. We had maintenance over the years. It it is now paid off and we had enough monthly left over in our budgets to invest. We are now retired while many of our friends are still paying a mortgage.So while Dave Ramsey says MH aren’t a good investment it was for us
I bought an old one for 26k. A house costs around 700-800k where I live. It's just impossible. The rent is 550 per month. I make it work and I've stopped looking at over priced real estate. Take care.
It's a new world and there will be new ways to live and survive in it. I admit I am old-school and still am but am fascinated how others handle the same problems but with different, newer rules. I only wish you and your family the best. Good luck to you all.
Good for you!! Stay the course, do your ‘own thing! This is not a dress rehearsal, you only get one life❤️
I have always liked your channel but I have to tell you that as soon as you said you eat plant based and make your meals from scratch I subscribed instantly. I really like your grocery shopping AND your meal prep videos. I am 63 and started this wonderful way of eating 12 years ago! Best wishes in your ventures!
Cute cat!! We live off-grid - as in we have dirt, vegetation and air on our land, that's it - and at altitude (8600 ft) and if we could live on $40 of propane a month, I'd be ecstatic! Nice that you have reasonable weather and live at sea level (better woodstove performance). You are saving alot of money there.
I would strongly recommend starting an animal healthcare savings fund. All the cats we have & (have had) routinely need dental cleanings & extractions and that cost ranges from $600-800 depending on the region, vet prices and extent of procedure..
Animal healthcare is just one of those expenses that is non-negotiable and you want to have what you need on hand if your animals need help. 😻
I think you are amazing, I live in Orlando FL and can't wait to buy a RV to live in I could care less what others think, I am going to do what is best for me, I say keep doing what you are doing and I will see you on the road in the near future!!
User's comment: "I love the RV life! It's so freeing to be able to travel anywhere and have your home with you. Can't wait to see more of your adventures!"Response: "I completely agree! RV living allows for amazing adventures and the freedom to explore new places. To enhance your outdoor experience, I highly recommend the Segway Portable PowerStation Cube Series. Its massive capacity, durable design, and fast recharging capabilities make it the perfect companion for extended trips. Happy travels!"
Yes, homeownership is costly in Florida. Factoring in slightly lower property taxes than we had in NY and no state income tax, the higher cost of insurance washes that difference away. Car insurance 250.00 a month and house with flood is 2,000.00 yearly. But having mortgage makes this feasible. Plus we are retired with a 21 yr. old who suffers from anxiety and depression. Yes, food is high but we get creative. Also, limited subscriptions. As of now, we shall be debt free next year. Vehicle will be pd. off and too a small loan. No getting in debt for a camper, SUV, jet ski, or golf cart. And Katie, we bought your budget book to start in 2024. Oh, one gift with a price limit for each of for Christmas. No buy now, pay later!
"We're not doing this because we're lazy and don't want to work." Haha. It's really none of anyone's business why you do things. It's your life and you've set things up to live that life the way you want to. That's the whole point of being frugal, thrifty, energetic do-it-yourselfers! All of these things you're doing are setting you up to be able to make choices for the rest of your life and that includes when and IF you want to work. And your kids get the benefit of both parents being around as they grow up. You're enjoying everyday. That's pretty wonderful in this kooky world we're all living in.
I did the exact same thing. Trust me , if you save your money and invest your savings from your reduced overhead, you can pay cash for a house or land when the time is right. Happy for you.❤
Sounds like bliss....so well thought out. :)
Did you get a good price for your house? If you are open to sharing about that perhaps you can so one on how that went.
Great video!!
Congratulations on selling your home 🏡 great idea on buying a camper safe travels.
Congratulations on closing on the sale of your house and lowering your expenses!!! That looks like a very nice budget planner. I use a spiral notebook. I page per month. I draw columns down each page for utilities, groceries, car, pet, insurance, & other. When I spend money I write it down & put it in the proper column. I really look at it and it "talks" to me. I summarize it weekly. It's very similar to what you're doing. I paid less than $2 for the 70 page (140 pages if you count both sides of the page). I save some pages for end of the years summarizing, planning for the next year, and special notes. I started this spiral notebook in 2019 so this is the 4th year I've used it. I can get one more year out of it.
Yay! Congratulations on the sale of your Florida home!
🎉🎉🎉
Y’all are on the right track of living in a camper!
Our taxes just went up again! Plus we have to pay $600 a year for the public school in taxes , or whatever it is called! I could use that $600 for my homeschool!
We have decided to buy a shed and make it into a home for our daughter, who graduated this year, she’s working, and she deserves a place of her own. I’d like to get a shed for me, the husband , and my youngest too. Then rent out the cabin as an AirB&B.
I’m so happy for y’all living like you do!
Paying taxes is not fun! We never get a deduction in taxes, Minnesota just raises taxes!
Stay wild and free!
🤎🌻🤎🌻🤎🌻
You have such good and logical insight to finances. I learn something new in most every one of you videos. My husband is close to retirement and I was thinking along the lines of downsizing and selling our family home and paying cash for a townhouse or condo but after your saying you regretted paying cash for your Florida home which locked up a lot money I am now thinking maybe staying in our home for longer since our mtg. interest rate is only 4%, playing it by ear and then not dumping all that equity into a future home.
Also, with regards to the :depreciation" of your camper, it can be compared to someone paying rent which is also a depreciation. Housing costs vary but the money stills gets paid out.
I’m so happy for you & the family ! I know you have been wan to sell your ho for a few months now Congratulations on selling your house! It must be a huge relief to you! Awesome 👏 👍🙏
Yes I strongly encourage you to get life insurance on your husband. My husband passed away October of 2023 at the age of 67 from brain cancer. We did not have a large life insurance policy but it's enough to at least cushion me with part-time work until I reach an age or I won't be penalized so much to collect his Social Security. I think your RV will have a good resale value versus what you paid for it that's for sure. Great job as always Katie.
I meant to say I think it's great that you are teaching your girl's financial responsibility at a young age by having them pay for their own cell phones Etc, also I was wondering if you have an email address that you are okay sharing? Not going to try to solicit anything to you LOL just some information I would like to share with you😊💛
Good for you guys
It's looking great in there. Cannot wait to see the new floors. How are your teens adjusting to this?
Now that you have your cost of living low and under control my next step would be to increase our income with a good paying secure job, youtube and anything else you can come up with to bring in more money instead of thinking about taking trips and buying a truck.
Kitty beans at the top of your journal❤
I highly suggest getting insurance on your camper!!! Make sure you get thw right coverages once you hit the road.
Bravo!
Im in the process of buying and living in a rv for my family of 3 the housing market is so messed up right now and renting is ridiculous
One of my daughters wants to live near the beach/ retire early one day . I told her to save,save,save. Problem is, she likes designer bags, and buys lots of things in general. I use to do that, now I wish I had not. You have to ask yourself if you want a particular item more than that beach living. Maybe it will sink in soon? Beautiful baby.
Trucks TOYOTA TUNDRA 5.7L!!
With heat 20lb tank for heater 3 days if 30lb 4 days. Camper living family as well in Ohio! I'd look into full coverage insurance on your camper as well so if anything happens it is covered.
Sound like your doing great.
I live in west Virginia, and at 68 live on fix income .
Of 1700.00 we pay off our home last year .so happy .
But I weary about out grown children ,grandkids
With times the way they are now such a mess .I not in great fear of life's doing .but try to use my head.I help raise my grandkids .
But now just us.
I really like to down size ,sale our home and get a tiny house .but hubby not on board so wait and see.
We do grow our own food ,can a lot , raise our meats .
And buy cheap food wise.
Trusting God ,and trying to be wise in living .
Keep up your good work. But watch you money with banks doing what there doing .have cash on hand always .
This was so interesting. Thanks for sharing your new budget, and your adventures. Watching from New Zealand
Congrats on selling your home. We live in Florida and pay less than $1,000 a month for our mortgage. It is just the 2 of us, so groceries is usually $500 a month.
Great video
Congrats on selling your house. We sold our house in FL in 2021.
Love your videos
I am looking at campers/trailer, to live in. Rent is too expensive. Senior living on fixed income.
Congratulations on selling your house! Everything seems to be working out well. :) Do you have a Christmas budget?
What are you going to do when you retire someday? Just live on SS?
Spending less = Saving more 😊
I see no money for investments. We are so glad we have invested over the years, it is the one reason we can retire comfortably. Also have you thought about in your later years? Will you be able to get Social Security if you are not working?
I think they may have a poor retirement but it looks like they are already retired
@@lindawilson8434I understand that but their money from the sale of their house will only go so far.
I still think you should teach a course in public speaking, maybe at the non-credit adult community college education level. So nice to hear you speak: no ums, no likes, no "ya know what I mean", and words pronounced and enunciated correctly.
Congrats on the sale of your Florida home, and the purchase and renovation of your camper.
Agreed! She is very articulate and it is impressive. I watch good and bad TH-camrs and even if the content is good, a bad TH-camr makes it painful to watch.
And you’re having MORE fun than the neighbors you left!! LOL
You should continue to stay at your friends property instead of being mobile
Congratulations!!!
Do what works for you and your family. I'm working on being debt free myself. Your information is very helpful 👍
Bravo🎉 doing the same…only concern is retirement income/social security…get a handle on that dollar number ahead of time…keeping expenses low like you are makes now and the future easier…the profit from your home sale can make a easy return to continue to compound…rule of 72 should be talked about would be a good video.
Maybe I missed this topic, but you will be moving off of your friends land at some point? Will you buy land? Or rent in rv parks?
Danke!
❤️ Thank you!!
If you don’t mind my asking did you have a Christmas budget or do you celebrate Christmas?
It's looking good.
I may have missed this but where can I find you budget/ calendar book.
Never mind just saw your link, sorry
Cat so cute❤❤❤❤
So we are all subsidizing your health insurance.
Do you have a steady income? An amount that you know that will be coming in each week/month? Both my hub and I are self-employed and not sure what will be coming in and when. We have no debt but pay rent and have utilities. We have at least 1 year of expenses saved but other than that no investments. My hub is turned 66 and I’m 59 with no kids. I could never go back to a 9-5 and don’t buy into the whole rat wheel way of living. However we have a monthly expenses of 3500.00 just to live (due to rent and utilities). Going in to “retirement” age we want more freedom and to spend less. Yet haven’t figured out how to earn more or have less of a cost of living. Man…LIFE is certainly a challenge! We’re you and your husband always on the same page with living in a camper?? I could do it in a heart beat but my husband is so much on board. Thanks for posting your videos…certainly food for thought!❤
Do you have any privacy? If someone wants to go into a room and close the door to destress, can they do that in an RV?
For me I’d much rather work/have my spouse work and have more money to spend on discretionary and fun things but I can respect your frugality and budgeting skills.
People who think money solves everything are really sad people. Things are not what matters in life. It’s the times you spend with your family and friends. You can never get back time. Things only clutter up and take up space and will be useless when you’re gone
Yeah but Gordon Ramsey Says}}}}Jk great video keeping it down to earth ty
Do you do Christmas because you don’t have that in your budget?
Not sure if law has changed but if you don't reinvest in another piece of property in 2 years with your capital gains on home you have to pay a tax on that. I know you paid cash for house I am only talking about above original price. Might want to check into that to be sure.
I don’t know when this came into being, nor do I know if it’s permanent… however, a single can sell a home (if it’s primary residence and a few rules) and up to $250k is tax free. It’s $500k for couples.
🎉Happy New Year Katie and Family, hope you are all well.💛
Hope all is well no videos in awhile Merry Christmas
Firstly..congratulations on selling your house...thank God....
How do you get such low health insurance? Is it income based? And what is you income? Are you living off savings and TH-cam currently?
Love the fact that you are choosing how you want to live! Also the values you live by admirable! Love your channel !
How are you closing out the year? Do you have any goals for 2024?
Just a few months ago we were struggling. Take it from me, you can make a lot of changes in a year! th-cam.com/video/kb64yvCmMsE/w-d-xo.htmlsi=DHOiLWvpodZLt_3e
I don’t understand how your kids can be on Medicaid. It doesn’t seem like your low income. To be on Medicaid you can’t have any assets or money or anything. Most families that is on Medicaid is also on welfare. Unless a parent died or is in prison. Just wondering!
Medicaid eligibility is mostly based on income, not assets. My 2 older teens have a different bio-father who is completely MIA (no child support or custody). In general, there are less restrictions on Medicaid than other social programs.
Did I miss what you're using for internet? Is it Verizon?