Roaming About

A Life Less Ordinary

Month: February 2022

Monthly Expenses of a Nomad – January 2022

Expenses - image

Every month, I post a report of our expenses to show that it is possible to live a comfortable, exciting, and adventurous life without breaking the bank. The less money you spend, the less you need to make. 🙂

This report includes ALL of our expenses, in US$, for two adults and one 60-pound dog (we adopted Maya on June 4th, 2019). Under groceries we incorporate food, produce, and non-alcoholic drinks predominantly bought in supermarkets. Toiletries belong in that category as well. Dining out means eating at a restaurant/event or purchasing take-out food. The health category covers non-prescription medicines and vitamins/supplements; medical contains prescription drugs and doctor’s visits. Because of our income level, Mark and I are eligible for free health care within the state of Massachusetts. For check-ups, we both return to the East Coast.

This monthly expense report is a bit delayed for two reasons: I recently posted our yearly report (and who wants to be bombarded by numbers every week?) and I have taken a step back with internet “chores,” because our data is limited, expensive, and often inaccessible. And, I’d rather explore the Baja peninsula at the moment than sit behind a computer. 🙂

(As always, hover over or click on the photos to read their captions.)

Mark, Maya, and I started our new year in the desert just west of Yuma, Arizona, getting ready for our postponed multiple-month trip in Baja California, Mexico. We had to fix a few more things on the camper and the car, like rebuilding the platform that goes in the bed of the truck for the umpteenth time and making sure the “basement” was secure. We eventually ended up dropping the bumper of our pick-up truck and taking the clearance lights off, after another improvement attempt on another Home Depot parking lot failed.

While the camper was off the truck, we decided to go on our first off-road adventure to explore a bit of the area, like the “Valley of Names.” What a bouncy endeavor that was! None of us can say we actually enjoyed the jerky experience…

I also needed a dental check-up (and a $10 haircut apparently) right across the border in Los Algodones before we could really head south. Luckily, none of these visits and repair tasks were expensive, so we were off to a good year, moneywise, despite a few more delays. Having friends around made everything more fun!

Life in Mexico is cheaper than in the US, so we had high hopes for a less-than-average month as far as living costs were concerned. We knew gasoline would be pricey (the equivalent of $4/gallon) and ended up driving bigger-than-planned distances from the start.

We arrived in Baja on January 12th and soon realized that Mark should leave the country for an impromptu visit back to his parents in Massachusetts. The price for that “detour” resulted in an extra $530 for flights, public transportation, parking, a Covid test, and a ten-day campground stay for Maya and me in Loreto. All our other camping spots last month were free.

From 2022 on, we are splitting the camper category into two parts – car and camper – to keep better track of those expenditures separately. Our Mexican car insurance was higher than stated below ($442 instead of $113), because it incorporates the refund for our American insurance, which we paused.

The grocery category is lower than usually, as food is cheaper in Mexico and we eat out more often for the same reason. Since our favorite rum (from Nicaragua) is available on the peninsula, we splurged buying several bottles of Flor de Cana instead of Bacardi, hence the pretty high number for alcohol. For now, we kept our affordable unlimited (and now unavailable) $35 AT&T data plan in the States, on top of buying data for our Mexican SIM-card ($27), which explains the larger number in the utilities section.

Tourist cards for Mexico cost about $33 a person, which created an extra expense category this past month. Other than the money needed for Mark’s trip back to attend to a family situation, January had us on track for an average $1,300 month… February – so far – is looking much better. ????

January 2022 Overview:

Car (fuel: $337; insurance: $113; repairs: $13):

Travel (flights Mark):

Groceries:

Alcohol:

Utilities (internet: $62; propane: $10; water: $6):

Accommodation (camping):

Camper (repairs):

Customs & Immigration:

Dining out:

Medical (Covid test Mark):

Drinking out:

Health & Fitness (tooth brush M, haircut L):

Gifts (B-day friend):

Transport (trains M):

Laundry:

Clothes (flip flops L):

Postage:

Miscellaneous (agricultural spray Mexico):

 

TOTAL:

 

$463

$402

$217

$98

$77

$74

$72

$67

$59

$40

$39

$32

$21

$17

$11

$10

$2

$1

———

$ 1,702

Find all our expense reports here. To learn what other full-time nomads spend each month, check out the blogs of our vanlife friends Duwan and Greg at Make Like An Ape Man.

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Five Things to Do in Loreto, Baja California, Mexico

Mark, Maya, and I visited Loreto for a few days last year, in our campervan Zesty. It was pretty much our most southern stop on the peninsula during a two-month Baja California sojourn. We spent most of that time on the beaches of Bahia Concepcion and in Mulege, a town we liked better than Loreto. I wrote about that “comparison” here.

Every city in Baja California has a statue of their name in colorful letters.

When it became clear and imminent for Mark to fly back to Massachusetts last month, we decided Loreto would be the best, most convenient, and cheapest place for Maya and me to await his return. We managed to snag a “dry camping” spot at Rivera del Mer RV Park ($5/person/night), which has splendid bathroom and laundry facilities.

Vendors with fresh tortillas and other goodies pass right by the gate and the center of town is a short walk away. Unless you have a dog. That requires a detour to avoid all the barking, aggressive, local canines guarding their properties.

Lunch on fresh corn tortillas, bought from a passing vendor

(As always, hover over or click on the photos to read their captions.)

Here are my five highlights of Loreto, which grew on me when I camped there in T&T the last twelve days of January.

Seal on the pedestrian walkway in town

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Annual Expense Report of a Nomad – 2021

Expenses - image

Every month, I post a report of our expenses to show that it is possible to live a comfortable, exciting, and adventurous life without breaking the bank. “The less money you spend, the less you need to make” is our motto. ???? At the beginning of each year, I produce an expense report for the previous 12 months. This is the most recent one, for 2021.

Our first yearly expense report (2016) can be found here, the report of 2017 is here, the one for 2018 here, our 2019 expenses are located here, and our total costs for 2020 are documented here.

These reports include ALL of our expenses, in US$, for two adults and a 60-pound dog. We adopted Maya on June 4th, 2019. Under groceries we incorporate food, produce, and non-alcoholic drinks predominantly bought in supermarkets. Toiletries belong in that category as well. Dining out means eating at a restaurant/event or purchasing take-out food. The health category covers non-prescription medicines and vitamins/supplements; medical contains prescription drugs and doctor’s visits. Because of our income level, Mark and I are eligible for free health care within the state of Massachusetts. For check-ups, we both return to the East Coast. The utility cost refers to phone data plans with AT&T.

In 2021, Mark, Maya, and I traveled in our campervan Zesty for three months (in California and Mexico) before selling it, drove across the USA in a rental car for one week, lived in the “room above the garage” at my in-laws in Massachusetts for five months (to change gears), and headed to the southwest again in our new-to-us truck camper T&T (Thirsty the truck and Temp the camper) during the last four months of the year.

(As always, click on photos or hover over them to read captions. Note: a bug must have slipped into my most recent WordPress update, because I can’t move photos around within my galleries anymore. The result is that my images are not shown in chronological order. My apologies.)

Despite our fears of spending way more than our annual average in 2021, because of inflation and the rising costs of living and fuel, our final sum is pretty close to that of the previous year. The reason: we received a few thousand dollars in credits after issues, claims, customer support calls, and points from using our trusted Chase credit card. Years past, these points went to flights which then didn’t get recorded in my expense reports. Last year, they went against groceries (during the height of Covid) at 1.5X their value and towards credit card payments. If you’re interested in a new credit card that offers 60,000 points (a value of $600) when you spend $4,000 in the first three months.

Our main expenses, just like other years, were the camper and groceries ($328 a month, which appears pretty high). The biggest chunk of vehicle money went to fuel, insurances, parts, and maintenance. Why is the maintenance amount ($53) so low then, you ask? Because we received $1,907 from a claim when a third party put a scratch in the side of Zesty. We managed to buff it out ourselves and used the money against other camper projects. We also sold $1,600 worth of accessories that came with our “new” truck and our camper.

A lot of “cash” went to plane tickets (to Belgium), our trip across the country in a rental car, a root canal and crown for me (which I had done in Mexico), an early Covid test for me, and a Shingles shot for Mark (both in Arizona). We hope to cut these kinds of expenses down in 2022. But other surprise costs will pop up, no doubt!

Did you know that taking care of one dog can cost upwards of $800 a year? The dogfood category was higher than usual, because we stocked up on bags of it for our trip in Baja, where they don’t sell high-quality kibble with salmon. Of course, Maya is worth every dollar!

Unlike our drinking out category, which is minimal, dining out (on patios and take-away) took a big bite out of our budget. This has to do with birthday celebrations and reconnecting with friends. We also spent quite a bit on gifts in 2021, part of that for an Airbnb “weekend” in Bahia Concepcion, Baja California, Mexico, for Mark’s 50th birthday.

Utilities are what they are. We are bummed about the high propane costs, because we prefer a fridge that works on electricity; hopefully we can solve that issue later this year by replacing it. Internet is what keeps us connected and in Mexico, we pay for drinking water. I decided to add our Arizona campground expense from December to this report (and updated last month’s as well), to avoid “hidden costs.” Sure, we usually don’t stay in RV parks and this amount was incorporated into Mark’s wages, but it was still something we paid for. Hopefully, never to be repeated.

The other two categories we might be able to do better with this year are household and alcohol. The first one contains items we needed to equip our new camper (which will only be repeated somewhat if we change gears again). As for the booze, beer, and wine, we are social drinkers and enjoy a glass on the weekends and when hanging out with friends. No excuses needed. I’d say we did pretty well with the bottom part of the report underneath. Who else spends $30 a year on clothing? 🙂

In conclusion (and to our relief), 2021 seems to be another average expense year, in which we succeeded to live on around $16,000 a year, which amounts to $1,333 a month. It proves to be a feasible goal, especially when we leave the first world…

Cheers to friendship, with Denise

2021 Overview:

Camper (fuel: $2,760; ins.: $1,281; reg.: $152; maint.: $53;

tolls: $40; parking: $14; credit: + $3,507):

Groceries:

Travel (plane tickets, rental car, motels, camping Mex.):

Medical (root canal L in Mex., shot M, meds):

Dog (food: $339; vet: $262; supplies: $254):

Dining out:

Gifts (B-days, Christmas):

Utilities (internet: $478; prop.: $123; water: $45; Skype: $11):

Rent (Leaf Verde RV Resort):

Household (tools, supplies, battery parts, bike rack):

Alcohol:

Health & Fitness (haircut L, vitamins M):

Customs & Immigration (new passport M, visas Mex.):

Entertainment (whale watching, parks):

Bank charge (Chase visa card):

Computer (phone batt., router, domains):

Laundry:

Clothing (flip flops M, T-shirts L):

Drinking out:

Postage:

Miscellaneous (carwash, copies):

 

TOTAL:

Credit:

 

TOTAL:

 

$4,300

 

$3,942

$2,786

$939

$855

$737

$720

$656

$529

$497

$485

$234

$187

$161

$150

$133

$64

$63

$40

$21

$10

———

$ 17,509

$    1,699

———

$15,810

(It might be easier to read the table when turning your device in the horizontal position.)

Find all our expense reports here. To learn what other full-time nomads spend each month, check out the blogs of our vanlife friends Duwan and Greg at Make Like An Ape Man.

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