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Showing posts with label budget and finances. Show all posts
Showing posts with label budget and finances. Show all posts

Friday, June 2, 2017

Financials for our 8th Year on the Road

This is about our monthly expenses for our 8th Year on the road.
This is what they look like with a screen shot:


I realize that this is basically unworkable so I am trying something new this month which is using Google Sheets to show our end of month summaries.

If you'd like to access my spreadsheet online try this link:
The sea of red is where we were over budget.  Yikes!

In many categories, we were over our target budget and we ended up averaging over $641.55 over our monthly budget of $4100.  But in some areas we made out pretty well.

Insurance:  
- Both our RV insurance and our car insurance rates increased in March.

Fuel:
- We averaged over in the gas but under in the diesel fuel.

Food:
- Since we stayed in Virginia Beach for over six months it was good news and bad news.  We ended up going over budget in the groceries and eating out, but we saved in a lot of other areas.

Campgrounds:
- We saved a lot this year by staying in military campgrounds.  Especially the last six months when we stayed in Virginia Beach.  Local campgrounds are upwards of $50/night in high season.  We have paid less than $20/night.

RV and Car Maintenance:
- The last two years have been especially hard on the budget with maintenance and upgrades on the Roadrunner.
- And the car has have a lot of maintenance bills we did not expect over the last two years.

Food:
- We were $116 over budget on the groceries but pretty close on the eating out portion of our

Campgrounds:
- We were under budget for the year and we spent an daily average of $21.95/night.

TV:
- DirecTV charges for the year were $85.74 which was under budget.  You have to be careful with these folks.  I don't know how many times I see the costs spike and then I call them, ask for discounts etc.

Misc:
- This is our 'catchall' for other purchases and includes golf, entertainment, clothes, gifts, etc.  We averaged $368/month.

Cell/Internet Access:
- A couple of years ago we were paying an average of $350/month.  We had our phones with AT&T and our internet Jet pack access with Verizon.  We were hoping to save some money and did.  Now we pay an average of $236/month by having Verizon as a single carrier.

Medical bills:
- With my eye surgery last summer, followup cataract surgery, dental root canal and a crowns, we've been over budget.
- Overbudget, but I realize how fortunate we are to have Tricare health coverage.  It saves us a bundle.

Here's a quick summary of the two high cost areas for us this last year:

 
  Actual Budget  
Rv and Car Mx $12,184.79    5,700.00 -6,484.79
Medical  $4,307.80 140.00 -4,167.80




Those two items themselves (RV and Car Mx, and Medical accounted for over $11,000 of our expensive year.

That's a recap of Year 8 Expenses.  Thanks for checking in today on the Roadrunner Chronicles!






Friday, March 10, 2017

Time for New RV Insurance Quotes

We became residents of Florida in March of 2016.  We registered the car and motorhome (aka The Roadrunner) at that time and had to get insurance for both in the state of Florida.

Every year I go through a little bit of research and compare quotes from different agencies in order to manage our costs.  This year National Interstate raised our rates almost $200 so I wondered if I could do better.

I scoured the TiffinRVNetwork.com Forum  to see if any new insurance companies popped up.  I took last year's information from my spreadsheet and called around.  Surprisingly, most got back to me if they had a good number.

This this is the spreadsheet I used:
 And here are my results:
 I got back enough quotes to know that National Interstate is going to be the best again for us this year.
I logged a few notes in the far right column including an update on Blue Sky.  We had them for a year or two but their low prices apparently caught up with them and they are no longer doing any new RV quotes.
I asked for a multi-vehicle discount with USAA which is great for our automobile insurance, but they sub-contract their RV insurance out to Progressive and do not offer that discount.  They were also a little higher than than what Good Sam offers with Progressive -- both of which are higher than National Interstate.

After taking the time and effort to go through all of this, I was satisfied that National Interstate was the way to go again this year, so we renewed with them.

I offer that to you for what it's worth and hope at least some find it useful and/or helpful.  If you'd like a copy of my spreadsheet for your own use I would be glad to send it to you -- just let me know.

That's all for today from Virginia Beach on the Roadrunner Chronicles - thanks for stopping by!




Friday, March 3, 2017

Roadrunner Financials - February 2017

Roadrunner Recap
In February,  we continued our stay at Sea Mist (military campground) at Dam Neck Annex in Virginia Beach.  We have been here since mid - December and plan on staying until about mid - May.

Good News Areas We Are Under Budget
We didn't drive the motor home this month, so there was no need to get any diesel fuel.
We underspent in:
  • Diesel fuel
  • Campgrounds
  • TV
  • Mail, and
  • Household items
Biggest Expenses
We overspent in the following areas:
  • Propane (we were going through it with the cold weather but only have to refill it once during the winter)
  • Car Maintenance (maintenance on 8 yr old vehicle including hoses, plugs, radiator and hydraulic system flush)
  • Misc (gifts, clothes, boots and shoes)
Highest 1 Time Cost Item
The system flush and maintenance on the car was $1039.

Monthly Average
Here's a look at the monthly averages for the last six months.

We had another tough month and was a little higher than what we did with the budget in January.  After all the months of maintenance and medical it's nice to get the spending closer to our target.  But we are still way behind for the fiscal year which began in June 2016.

That's another look at where our money went during the second month of the new calendar year.

As always, if you think this spreadsheet might be useful I'd be glad to pass it along at no cost.  Just let me know.

Thanks for joining us today on the Roadrunner Chronicles!

Friday, February 3, 2017

Roadrunner Financials - January 2017

Roadrunner Recap
In January,  we stayed parked at Sea Mist (military campground) at Dam Neck Annex in Virginia Beach.  We have been here since mid - December and plan on staying until about mid - May.


Good News Areas We Are Under Budget
We didn't drive the motor home this month, so there was no need to get any diesel fuel.



We underspent in:
  • Diesel fuel
  • Campgrounds 
  • TV
  • Laundry 
  • Medical
Biggest Expenses
We overspent in the following areas:
  • RV Insurance (our renewal in May brought the payment to above the yearly monthly estimate)
  • Car Insurance (after two no-fault claims, our insurance went up)
  • Car Maintenance (complete yearly checkup with induction service, new plugs, wiper blades)
  • Misc (gifts, clothes, boots and shoes)
Highest 1 Time Cost Item
The diagnostic service and maintenance on the car was $415.  Time to look for another mechanic.

Monthly Average

We had a very good month and almost came it at the budget.  We were only $22 which is a win in my book.  After all the months of maintenance and medical it's nice to bring down the monthly average again by over $150.  But we are still way behind for the fiscal year which began in June.

That's another look at where our money went during the second month of the new calendar year.

As always, if you think this spreadsheet might be useful I'd be glad to pass it along at no cost.  Just let me know.

Thanks for joining us today on the Roadrunner Chronicles!

Thursday, January 5, 2017

Roadrunner Financials - December 2016

Roadrunner Recap
In December,  we visited the following locations along the  
  • Gulf Waters RV Resort, Fort Myers FL
  • Manatee Springs State Park, Chiefland FL
  • Ho Hum Campground, Carrabelle FL
  • Hurlburt Field FamCamp, Fort Walton Beach FL
  • Oak Grove MWR Campground, Pensacola NAS FL
  • Gunter Hill US Army Corps of Engineers Park, Montgomery AL
  • Downtown RV Park, Red Bay AL
  • Camping World Campground, Anniston AL
  • RVacation Campground, Selma NC
  • Sea Mist RV Campground (military), Virginia Beach VA
Here's an interactive map of our travels:


Or, if you prefer and find this easier to navigate, here is a static map:



Good News Areas We Are Under Budget





Biggest Expenses

Highest 1 Time Cost Item
We had toppers replaced at Brannons and also had a list of things for him to check out including replacing the motor on one of the fans, troubleshooting a faulty light switch, replacing the 'eye' on our DirecTV, and downloading new software for our Razor Over-the-Air antenna.  $1400.

Monthly Average

The hits just keep on coming...We were $2100 over budget this month and the average climbed another couple hundred dollars again.

So this is a look at where our money went during the second month of the new year.

As always, if you think this spreadsheet might be useful I'd be glad to pass it along at no cost.  Just let me know.

Thanks for joining us today on the Roadrunner Chronicles!

Monday, December 5, 2016

Roadrunner Financials - November 2016

Roadrunner Recap
In November,  we visited the following locations along the  
  • Sea Mist RV Campground (military), Virginia Beach VA
  • Onslow Beach Campground, Camp Lejeune NC
  • West Lake Recreation Area (military), Fort Jackson SC
  • Red Top Mountain State Park, Cartersville GA
  • Twin Oaks RV Park, Elko GA
  • San Lan RV Resort, Lakeland FL
  • Cummins South, Ocala FL
  • Little Manatee River State Park, Wimauma FL
  • John Pennekamp State Park, Key Largo FL
  • Sigsbee MWR Campground (military), Key West FL
  • Midway Campground, Big Cypress Preserve FL
Here's an interactive map of our travels:


Or, if you prefer and find this easier to navigate, here is a static map:
November was fun month.  After Hurricane Matthew tore up our topper, we knew we'd have to go back to Red Bay before Christmas.  As it worked out we got to see a couple of State Capitols, a lot of Florida including time at Key West, and also stop for a quick visit with relatives in Maynardville TN.

Good News Areas We Are Under Budget


Biggest Expenses
Our over budget areas included:

  • Fuel
  • Cell phones
  • RV and Car Maintenance (replaced two chassis batteries)
  • Eating out

Highest 1 Time Cost Item
Seems as if the chassis batteries were the high items this month:  $$641

Monthly Average

This was the best month average-wise that we have had in quite a while.  Still though, it only brought down our year-to-date average a couple of hundred bucks.

So this is a look at where our money went during the second month of the new year.

As always, if you think this spreadsheet might be useful I'd be glad to pass it along at no cost.  Just let me know.

Thanks for joining us today on the Roadrunner Chronicles!

Saturday, November 5, 2016

Roadrunner Financials - October 2016

Roadrunner Recap
In October,  we stayed in Virginia Beach for the entire month.  A highlight taking a day trip up to Fairfax VA and celebrating Adam and Melissa's 1st wedding anniversary by going out to dinner with them.

Here's a close up view of our location in Virginia Beach:


and a larger map of the eastern seaboard:


Good News Areas We Are Under Budget
Biggest Expenses
Once again our biggest expenses were in:

  • RV and Car Maintenance (had the clock spring replaced in the Honda -$695)
  • Groceries and Eating Out
  • Medical (Teeth cleaning, root canal and a crown)

Highest 1 Time Cost Item
Biggest expense was was the crown ($900) but the root canal was right behind it at $839.

Monthly Average

The high monthly averages continue.  We were still almost $1600 over budget.  Tooth issues will do that to you.
You can also see how we have been doing the last four months on maintenance.  Between that and medical, we are way over where we want to be.

So this is a look at where our money went during the second month of the new year.

As always, if you think this spreadsheet might be useful I'd be glad to pass it along at no cost.  Just let me know.

Thanks for joining us today on the Roadrunner Chronicles!

Wednesday, October 5, 2016

Roadrunner Financials - September 2016

Roadrunner Recap
In September,  we traveled east from the outskirts of Memphis, to Red Bay AL for repairs (replaced slide out toppers), then to Maynardville and on to Virginia Beach.
  • Mid South Naval Station, Milligan TN
  • Downtown RV Park, Red Bay AL
  • Roadrunner RV Resort and Campground (private), Maynardville TN
  • Walmart, Charlottesville VA
  • Sea Mist RV Campground (military), Virginia Beach, VA
Here's an interactive map of our travels:

Or, if you prefer and find this easier to navigate, here is a static map:


We drove from the Memphis area to Virginia Beach after stops in Red Bay and Maynardville TN.

Good News Areas We Are Under Budget


Biggest Expenses
We were over our budget in the following areas:

  • Gas for the car
  • Maintenance
  • Cell phone use (primarily our wifi/data plan) and 
  • Medical (the bills for my July retina surgery

Large One Time Cost Item
Our biggest budget buster for the month was in the maintenance area while we were in Red Bay AL.  We had work done at Bay Diesel (Koni shocks) ($1580) and also had a list of things done at Brannon's (Custom RV) ($1630).

Monthly Average









We September was another tough month on the budget.  The maintenance and medical areas were the culprits this time.

Our monthly averages continue to climb and we will be over our 'hoped for' $4100 monthly budget for the year which ends next month at the end of May.  But we have had an extraordinary amount of Maintenance and Medical bills this year.

As always, if you think this spreadsheet might be useful I'd be glad to pass it along at no cost.  Just let me know.

Thanks for joining us today on the Roadrunner Chronicles!

Monday, September 5, 2016

Roadrunner Financials - August 2016

Roadrunner Recap
In August, we left Portland, OR and headed estate and then south from Sioux Falls to Memphis TN,.  The big event was recovering from my retina detachment surgery in Portland where we stayed from the last week of July into the middle of August.  

We also stopped along the way at:
  • Portland Fairview RV Park, Portland OR
  • Four Seasons RV Park, Walla Walla WA
  • Cummins Spokane Jim and Mary's - Missoula MT
  • Mountain Range RV Park - Columbus MT
  • Peter D - Sheridan WY
  • Sleepy Hollow Campground - Wall, SD
  • WH Lyons Fairgrounds - Sioux Falls SD
  • Griff's Valley View RV Park, Altoona IA
  • HWH Parking Lot, Moscow IA
  • Galesburg East Campground, Knoxville IL
  • Cahokia RV Parque, East St Louis MO
  • Scott AFB IL FamCamp, MO
  • Hinton RV Park, Sikeston MO
  • Mid South Navy RV Park Millington TN
Here's an interactive map of our travels:

Or, if you prefer and find this easier to navigate, here is a static map:

We spent the month leaving Portland and taking a route east through Montana and into Wyoming.  We were able to see the beautiful Columbia River Gorge, the spacious and scenic Montana vistas and we stopped at the Custer / Little Big Horn Memorial Historic Site.  We ended up in Memphis were we took in the fun Graceland home and museum.  It was a busy month!

Good News Areas We Are Under Budget
Biggest Expenses
Our most expensive categories included:

  • Fuel
  • Maintenance
  • Campgrounds and 
  • Eating Out

Large One Time Cost Item
In August, we had work done at Cummins Spokane ($212) and then we had the slideout fixed at HWH in Moscow Iowa ($885).

Monthly Average


Our monthly average  is still sadly way above what we were hoping for.  The RV Maintenance and paying for high season campground sites also were factors in our overage.



That's a snapshot of how we're feeling about the cost of things on this Full-Time Journey.  We are in month 87 of "Living the Dream".

Hopefully, some of the thoughts and figures are of some interest/value/curiosity.  If you'd like a blank spreadsheet of what I use I'd be glad to send you it at no charge to do with what you wish.  

Thanks for joining us today on the Roadrunner Chronicles!

Friday, August 5, 2016

Roadrunner Financials - July 2016

Roadrunner Recap
In July, we left Marty's cabin and made it up along the Oregon Coast and mouth of the Pacific Ocean/Columbia River before staying in Portland for three weeks.
  • Marty's Cabin, Arnold CA
  • Travis AFB FamCamp, Travis AFB CA
  • Golden Rule RV Park,  Willets OR
  • Robbins Nest Campground, Bandon OR
  • Beverly Beach State Park, Newport CA
  • Devil's Lake State Park, Lincoln City OR
  • Pacific Shores RV Resort - Newport OR
  • Big Spruce RV Park - Tillamook OR
  • Lewis and Clark RV and Golf, Astoria OR
  • Portland Fairview RV Park, Portland OR
Here's an interactive map of our travels:

Or, if you prefer and find this easier to navigate, here is a static map:


This was a big month for us.  We finished up our reunion, spent time out near Yosemite National Park, and then rode up the Oregon Coast.  It was a special month.  And -- I had a medical event that culminated in a detached retina and then surgery.  We had the surgery in Portland and continued east along the Columbia River Gorge after I was given the OK to travel.

Good News Areas We Are Under Budget


Biggest Expenses
We had large numbers to contend with in the following areas:

  • Fuel
  • Vehicle Maintenance
  • Campgrounds

Large One Time Cost Item
I lost my mind at a Convenience Center that had big trucks fueling up.  I grabbed the gas nozzle and emptied about 15 gallons into the diesel running Roadrunner.  By the time we got towed, drained the tanks and back on the road, our numbers in that category swelled to $1117!

Monthly Average


Our monthly average is still on a rising glidepath!  Yikes -- I keep thinking this is going to turn around but unforced errors were the culprit this month.  Hopefully, I will be more attentive and we'll find some cheaper campgrounds.


That's a snapshot of how we're feeling about the cost of things on this Full-Time Journey.  We are in month 86 of "Living the Dream".

Hopefully, some of the thoughts and figures are of some interest/value/curiosity.  If you'd like a blank spreadsheet of what I use I'd be glad to send you it at no charge to do with what you wish.  

Thanks for joining us today on the Roadrunner Chronicles!

Tuesday, July 5, 2016

Roadrunner Financials - June 2016

Roadrunner Recap
In June, we headed to the west coast and Sierras to be with my brothers and their wives for a Warner Brother Reunion - something we try to do every couple of years.  Here are some of the places we stopped along the way:
  • Kirtland AFB FamCamp, Albuquerque NM
  • Canyon Motel and RV Park, Williams AZ 
  • Yucaipa County Campground, Yucaipa CA
  • Orange Grove RV Park, Bakersfield CA
  • The Lakes RV Resort, Chowchilla CA  
  • Angels Camp RV Park, Angels Camp CA
  • Marty's Cabin, Arnold CA
Here's an interactive map of our travels:

Or, if you prefer and find this easier to navigate, here is a static map:

Good News Areas We Are Under Budget

Though we drove a lot of miles in June, we still we under budget on our fuel.

Biggest Expenses
Campgrounds were a big challenge for us and we decided to not sweat it.  High season is the summer time in most places (especially in California) and the costs go up.  

Large One Time Cost Item
Our large one-time cost was for air fare and associated travel for Pam to attend a funeral of a friend back in Virginia Beach.

Monthly Average
 Since this is the first month of our 'fiscal year', this is also the average as we begin 'Living the Dream', Year 8!  We sold our home, downsized, bought the Roadrunner and left Fairfax, VA in June 2009 and have been full-timers ever since then.

That's a snapshot of how we're feeling about the cost of things on this Full-Time Journey.  We are in month 85 of Living the Dream.

Hopefully, some of the thoughts and figures are of some interest/value/curiosity.  If you'd like a blank spreadsheet of what I use I'd be glad to send you it at no charge to do with what you wish.  


Thanks for joining us today on the Roadrunner Chronicles!

Friday, June 3, 2016

Roadrunner Financials - May 2016

Roadrunner Recap
In May we visited the following locations from Virginia Beach to Albuquerque NM:
  • Sea Mist RV Campground - Dam Neck Annex Virginia Beach VA
  • Roadrunner RV Resort and Campground (Private), Maynardville TN
  • Custom RV Vina AL 
  • Downtown RV Park Red Bay AL
  • Tom Sawyer Campground, West Mobile AR
  • Aux Arc COE Park, Ozark AR 
  • Roadrunner RV Park, Oklahoma City, OK
  • Amarillo KOA, Amarillo TX
  • Kirtland AFB FamCamp, Albuquerque NM
Here's an interactive map of where we camped during the month. Click on the letters (waypoints) to see locations:  


Or if you prefer, here is a static map of where we went in May:


We made the decision to attend my brothers reunion out in the Sierras of California.  At first we were not going to go because we planned on being on the East Coast this summer.  Then we decided to attend and were going to fly out there.

But in the end, we opted to drive out and we took a pretty much straight route across the states to make it there by the end of June. 

Good News Areas We Are Under Budget




We had a pretty good month moneywise considering how far we drove and paid for fuel. We also ate too much and spent too much for Christmas.

Biggest Expenses
Our biggest spending was in the following areas:

  • New insurance that put us over the old budget
  • Fuel and 
  • Eating Out

Large One Time Cost Item
Though it wasn't a large item, we did pay for a yearly membership with CoachNet for $79.

Monthly Average
Our monthly average ended our fiscal year (June- May) with the un happy number just over $4903.  We can't do much about our medical and maintenance events that need to be taken care of so we did.  This is the on a glide path that we can not sustain, so we opted to look into taking Social Security to relieve some of the stress on our wallet.

Thus far, we have not dipped into long term savings or 401(k) plans to fund our lifestyle and we want to keep it that way.

As always, if you think this spreadsheet might be useful I'd be glad to pass it along at no cost.  Just let me know.

Thanks for joining us today on the Roadrunner Chronicles!

Friday, May 6, 2016

Roadrunner Financials - April 2016

Roadrunner Recap
In April, we visited the following locations along the Florida Gulf Coast and into Central Florida:
  • North Fort Myers Habitat for Humanity Campground, North Fort Myers FL
  • Phipps County Campground, Stuart FL
  • Pelican Roost Campground, Mayport Naval Station FL
  • RVacations Campground, Selma NC
  • Sea Mist RV Campground, Virginia Beach VA
Here's an interactive map of where we camped during the month. Click on the letters (waypoints) to see locations:



Good News Areas We Are Under Budget
Our budget took a major hit with our power steering and new struts we needed in the Honda CRV.

We had a very good month budget-wise.  We drove a lot and therefore paid for a lot of gasoline.  We also ate too much and spent too much for Christmas.

Biggest Expenses
We were way over in over in our cell phone bill this month.  We had few places to use wifi so it ate into our data plan.

Large One Time Cost Item
Maintenance on our Honda CRV cost us over $4200 this month!  We had a new power steering unit put in and we needed new struts.  So we had it all done.  The car runs better but these big bills are hard to swallow.  --It still better than buying a new car.

Monthly Average

Our monthly averages continue to climb and we will be over our 'hoped for' $4100 monthly budget for the year which ends next month at the end of May.  But we have had an extraordinary amount of Maintenance and Medical bills this year.

As always, if you think this spreadsheet might be useful I'd be glad to pass it along at no cost.  Just let me know.

Thanks for joining us today on the Roadrunner Chronicles!

Saturday, April 30, 2016

We Became Florida Residents!

Some people buy new RVs every few years.  Or move on from full-timing in an RV to the adventures of living in a boat.

We don't do those things --- but over the past couple of years it seems as if we consider changing our domicile from South Dakota.  Last year we were convinced we were going become Texans -- but then decided against it when it became a little cumbersome.

The only practical possibilities for us (everyone's situation may be different) are South Dakota, Texas and Florida.  I did a cost comparison a few years ago and included estimated costs over three years.  South Dakota came out the cheapest.  But Texas and Florida were not too far behind...

We got to thinking about this again when our Mail Service Center in Sioux Falls had a change of ownership, expanded the facility, changed the name and the address.  The impact on us was that we had to change our address also.  I didn't really like that and only made a half hearted attempt to notify people over the year they gave us to to change.  But we had to do something -- either continue with our residency in South Dakota or change to Texas or Florida.

Meanwhile, last summer Pam and I decided Texas was going to be our new domicile.  The main issue there was getting a Class B license.  We weren't opposed to the idea (we figured we'd learn a lot which would be helpful) and began studying for the test.  The more we learned about the cost of getting the new license and the pain in the neck to go and do a test drive with our motorhome at a DMV facility -- the more we decided to forego that idea.

Then this past fall and winter we knew we were going to be in Florida for the winter months.  A fellow blogger mentioned that they had become Florida Residents with St. Brendan's Isle Mail Forwarding Service in Green Cove Springs, FL.

We mulled it over a while and talked again of becoming residents of FL.  (We married while in Florida and remained Florida residents until I retired from the Air Force in 1995. When I retired we became residents of Virginia.)

While we were at it, we checked out another mail service we heard about in Florida.  MyRVMail was not not too far from Fort Walton Beach.  We were there around Christmas time and decided to check it out.  We went and talked to the folks, looked at their operation and did a 'site survey'.  We decided that the facility was not the place for us and kept looking.

Next, we made it a point to go to Green Cove Springs (the county seat) and see what we thought of St. Brendan's Isle during our winter travels.  We found a campground not too far away in Palatka, FL and did the same thing.  We went to the business, took a look at the operation and talked with the nice people there.  We were very impressed and decided this was the place for us.

While there at St. Brendan's Isle, we picked up paperwork and talked about the process of setting up a mailbox and becoming Florida residences.  We were assured if our paperwork was together it would only take a couple of hours.

First thing we did was get a mailbox and start getting mail sent there to our new Florida address.

The web site at St Brendan's Isle is very thorough and has some detailed and information. Some of the things we needed to do were:

- File a declarations of domicile form with the Clay County Courthouse (conveniently located a couple of miles away) in Green Cove Springs
- Register to vote
- Get a Florida driver's license
- Turn in old drivers licence
- Show our passport or birth certificate (we had both)
- Have proof of Florida RV insurance

I think I spent the most time calling RV insurance companies for quotes.  It took three or four days to call and get hold of someone, talk it over and then get an actual quote.  Here are some of the ones I considered:

Of all the calls I made and emails I sent out - getting the RV insurance was the most time consuming.  We decided to go with National Interstate.  Next thing we did was to contact Dougherty and Associates in Sioux Falls and cancel our coverage with them.

Florida requires that the RV VIN number be verified by a police officer.  We were staying at the KOA in Starke FL which was about 35 miles from Green Cove Springs.  I called the local police department in Starke, told them that this was not an emergency and asked if they had a patrolman that might be able to swing by the campground and sign our form.  Not a problem.  In less that 15 minutes this young man showed up and signed the form and let me get a picture.

After getting our form signed, we drove into Green Cove Springs and over to St. Brendan's Isle.  We talked with the nice folks there and showed them our paper work.  They explained where we needed to go in the Clay County Courthouse a couple of miles away.
We went over there, waited in line for a few minutes then got all our paper work processed.  We picked a license plate type we wanted, got our picture taken and new drivers license and registered to vote -- all in one stop.  It was very convenient.  The first time cost to register our two vehicles in FL was $1,013.  The second year cost drops about just over $300 ($46+$250).  In South Dakota our registration for both vehicles cost us over $700 each year.

The whole process took a little over an hour and 1/2.  We were in a bit of a fog as we took off the old plates and put on the new ones (on our car for the time being since the Roadrunner was back at the campground.) It seemed like it should be a momentous occasion of sorts -- moving from South Dakota to Florida -- but it was really anti-climatic.

It was about lunch time so we found a local sandwich shop that was recommended.
Now after about six weeks of being Florida residents not much has really changed.  Except we need to find an appropriate front license plate for the Roadrunner.  Stay tuned for that...

That's how we became Florida residents.  We figure we will be in Florida more often than South Dakota in the coming years but we will see.

Thanks for joining us today on the Roadrunner Chronicles!

Tuesday, April 5, 2016

Roadrunner Financials - March 2016

Roadrunner Recap
In March, we visited the following locations in Georgia and Florida:
  • A - Macon Area Habitat for Humanity Care-A-Vanner Campground, Macon GA
  • B - Starke/Gainesville KOA Campground, Stark FL
  • C- Word of Life RV Park, Hudson FL 
  • D - Savannas Recreation Area Campground, Fort Pierce FL
  • E - Phipps County Campground, Stuart FL
  • F - North Fort Myers Care-A-Vanner Campground, North Fort Myers FL
One main goal we had for the winter was to see more of Florida.  We were not too familiar with the interior (central) part of the state.  We also had not spent much time on the east coast north of Miami.  We were able to do that this winter and enjoyed county RV campgrounds which are among Florida's best kept secrets.

We started the month at a Habitat build in Macon GA and finished up with another build in North Fort Myers.  Each provided us opportunity to meet and work with some fabulous people.   

Good News Areas We Are Under Budget
One thing during the month we didn't spent a lot of money on was diesel fuel.  We began the month with a full tank and only had to fill it up once so we were a couple of hundred dollars better than our goal.
Once again, we did even better in the area of spending for campgrounds.  We also were well under budget in spending for groceries as well.


We had a very good month budget-wise.  Our biggest item was in the area of cell phones.  We converted all our phones, iPads and hotspot (Jet Pack) to Verizon.  At this point it might have been a mistake.  We'll just have to see if we end up getting more service and better coverage at the same or less on a monthly basis.

Biggest Expenses
Paying off our AT&T contract and then not getting our iPad data plan cancelled has proven to be a challenge.  We tried to get the old account paid off and submit it to Verizon for reimbursement. But our account was cancelled in the store so we had no way to access it.  Instead we had to wait until it was posted, go to a AT&T service center then take it back over to a Verizon Center for their payment.  It was a mess.  But we are working through it.  To be continued.

Large One Time Cost Item
see above.

Monthly Average
At $4500 for the month, we continue to spend well over our goal of $4100.  In fact, most of our months since the "Fiscal Year" began for us in May 2015, we have spent more than our monthly objective.

We continue to be on an 'overspending' trend so we will have to readjust our monthly income.  I have long resisted putting down what our income is and also will not reveal our charitable giving.  But our main sources of income continue to be:  Air Force retirement, EDS retirement, online work-for-pay with my former company: MITRE.  The online work has had a steady decline in the number of hours per month and is about 10% of what it has been.

Because of the increasing costs we are incurring, Pam and I looked into our Social Security benefit and what we would be getting if we decided to get that on a monthly basis.  We are 63.  My main goal at the moment is to avoid dipping into our 401k and savings.  We'll see what we need to do in the coming months.

As always, if you think this spreadsheet might be useful I'd be glad to pass it along at no cost.  Just let me know.

Thanks for joining us today on the Roadrunner Chronicles!

Friday, March 4, 2016

Roadrunner Financials - February 2016

Roadrunner Recap
In February, we visited the following locations along the Florida Gulf Coast and into Central Florida:
  • Twelve Oaks RV Campground, Sanford FL
  • Rodman Campground, Palatka FL
  • Pelican Roost RV Campground, Mayport FL
  • Macon Area Habitat Campground, Macon GA
After our time near Orlando, we moved to Rodman Campground to explore more of interior Florida. Then it was off to a great military campground in Mayport.  The Pelican Roost campground is on the waterfront of the St. John's River with a lot of commercial and naval military traffic.

Next, we moved more north to our Care-A-Vanner build in Macon GA.  That's always a fun one because we get to see old friends including Pam's Maid-of-Honor, Barbara.

Good News Areas We Are Under Budget
We did pretty well in spending for the month in areas of fuel, campgrounds, and groceries.  Most
of it had to do with the fact we camped for free at the Habitat for Humanity site in Macon GA and did very little eating out while we were there.
We had a very good month budget-wise but were not able to avoid the unexpected RV maintenance with the broken tailpipe which accounted for our overrun.

Biggest Expenses
We got new cell phones and switched from AT&T to Verizon in January.  The expected savings did not present itself.  In fact for a while, we were paying off the old bill and for the new coverage while we were gathering information to get reimbursed by our new carrier.

Large One Time Cost Item
The biggest item on the spreadsheet during the month was our $1997 bill for a broken exhaust pipe.  While leaving Rodman Campground near Palatka FL we noticed a strange sound in the engine.  Later, exhaust smoke was coming in the PS window so we had to close it.  Those two items turned out to be a tailpipe that broke at the exhaust manifold.

We were heading to a Habitat for Humanity Care-A-Vanner build in Macon GA and ended up getting the repairs done there.
Monthly Average

The basic story here is that we are on a clip for the first eight months of the Roadrunner FY (June 2015-May 2016) to spend a lot more money than we would like.  But this 'budget' I have often send is really more of a record of spending.  We seldom limit ourselves because of where the budget is.  This does give us a pretty good idea though, of where our money is going compared to what our planning goals are.

So this is a look at where our money went during the second month of the new year.

As always, if you think this spreadsheet might be useful I'd be glad to pass it along at no cost.  Just let me know.

Thanks for joining us today on the Roadrunner Chronicles!