Category: Living Frugally (page 7 of 15)

Monthly Expenses – November 2020

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.

In November, Mark, Maya, and I lived on the road, in our camper van Zesty, and drove from Alabama to Southern Arizona (Tucson), which is reflected in our diesel cost. As usual, we managed to dump and camp for free (boondock). One of our favorite overnight sites of all times was the spot we found in Big Fur Public Use Area in Arkansas, early in the month. We stayed as long as our water and food supply lasted. (Hover over or click on photos to read captions.)

Sunrise!

Sunrise reflected in Zesty’s window

No more food in our fridge by the time we left!

No stipends or use of credit card miles this time, so what you see in the table underneath is what we spent. Mark fixed one of our car heaters, changed the oil, and replaced parts in the engine. To reward himself, he bought a better remote (Bluetooth) speaker. If you’ve read my travel memoir Plunge, you know how important crisp-sounding music is to my husband. 🙂

Spot at a pond in Hazen, Arkansas

Possum Kingdom, Texas

Free dump station and campground all in one in Lamesa, Texas

The desert near Las Cruces, New Mexico

Beautiful surroundings

The writing category is finally going down. I owed my cover artist $50 for the paperback cover (the eBook cover package a month ago was $125), we ordered two proofs of Plunge to check for issues and mistakes, and, to self-publish my book under a different name than my own (we chose Roaming About Press as our publishing company), I needed to purchase a business license in Massachusetts for the price of $35.

Camped with our bubble of friends

Dusk in the desert

We love saguaros

Twice, we built a campfire

Greg playing guitar

You can blame our special celebrations in the desert for the alcohol expense last month. Our bubble of nomadic friends includes two other couples, Duwan and Greg from Make Like An Ape Man and Ellen and Scott, who we hung out with for Thanksgiving, the release of Plunge, and my birthday, all of which took place the end of November. We made our own margaritas; a much better and tastier deal than the ones we bought in Hot Springs, Arkansas.

Thanksgiving buffet in the desert

My Thanksgiving plate

Birthday girl in the flames (Photo courtesy Duwan Dunn)

Duwan made a chocolate-peanut butter cake in a pan – yum! (Photo courtesy Duwan Dunn)

Friends around the fire (Photo courtesy Duwan Dunn)

Not a bad expense month. Maybe we are finally back on track?

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.

Full moonrise in the desert

Monthly Expenses – October 2020

November 11, 2020 / Liesbet / 24 Comments

In October, Mark, Maya, and I lived in our room above the garage for the first two weeks and back on the road, in our camper van Zesty, the rest of the month. The expense report is a tad messy, because of stipends and reimbursements of Mark’s employer, the US Census. These are incorporated in our expenses (*), which is the reason why the dining out category shows $0 (Mark received a stipend of $70 a day while “on location” for ten days in September; he didn’t need it all, so we’re still using some of that money now) and why the camper category is lower than it should be (Mark received a per mile reimbursement that was more generous than what his fuel cost during his two-month Census job). I did not attribute the $60 we used in credit card points (instead of cash). Confused yet?

Walmart parking lot in Maryland

Marina parking lot in Virginia

Blue Ridge Parkway, North Carolina

Picnic area in North Carolina, near Smokey Mountain National Park

Lovely spot in Alabama, along the Nachez Trace Parkway

As you can see, I’m still spending a lot of money on my writing career. I owed my copy-editor another $528, we bought a pack of ISBN-numbers (these are exorbitantly-priced identification numbers) for current and future books (I needed three for Plunge – paperback, Kindle, ePub), I paid my cover artist for the eBook cover, and we needed to buy the title font of my memoir, so we could utilize it inside the book. One day, I should calculate how many books I actually have to sell to get all these investments back! 🙂 Camping still remained free.

Liesbet and Denise – photo courtesy of Holly Horgan

Holly, Kevin, and Ginger – almost as cute as Maya!

Grilling plant-based burgers – photo courtesy of Holly Horgan

Visit to our friends Karmen and Tom on SV Sauvage – photo courtesy of Karmen Chow

Groceries and alcohol are a bit high, which has to do with us visiting a few sets of friends in October. Same reason for the gift items. And then there is the clothes category. Here’s that story…

The three of us had just left in our camper, destination Annapolis, Maryland. A couple of hours north of town, we stopped to eat lunch in Zesty. We don’t usually wear our shoes inside, so Mark had left his outside. After our meal, he needed to call a friend. There was a lot of noise, because someone decided to drag race his dilapidated car in front of the gas station we were parked at. I shut the door to keep the ruckus out as Mark talked. Two hours later, we arrived at the home of our Annapolis friend. Before Mark got out of the car, he asked: “Where are my shoes?”

Mark’s new shoes

Filling a gap in our small closet with this new shelf system

His go-to brand has been discontinued, so for the next ten days he researched and eventually bought another pair of shoes, slightly used. We had them shipped to the post office in Hot Springs, Arkansas, and, since they were not brand new, he obtained them for half price. After two weeks of only wearing flip flops in fall, he was delighted to own a pair of hiking shoes again!

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

Monthly Expenses – September 2020

October 4, 2020 / Liesbet / 45 Comments

During the entire month of September, Mark, Maya, and I lived in our “room above the garage” in Newburyport, MA – no side-trips in Zesty. Mark had a job with the US Census bureau in August and September and I’m 100% focused on my upcoming travel memoir. He made good money at $27.50 an hour, especially when working overtime for1.5x that amount. During his week-long stint on Cape Cod, putting in 12-hour days, he sometimes made $500 a day! I generated zero income working on my memoir… Instead, I spent a bunch more on it and will keep doing so this month.

Sign for the parked car when Mark performed his Census job

My editor would have been the most expensive category last month (and for four months in a row), if it wasn’t for us buying tires. Zesty made it through the annual Massachusetts inspection with flying colors, but a new set of tires was recommended and – as a matter of fact – we had been planning to replace them before heading west. Mark’s careful research and patience paid off. We managed to upgrade our tires to all-terrain and bigger ones for less than $600. Not only will we be better equipped for dirt roads this winter, but our clearance is an inch or two higher; just what we needed!

New all-terrain tires

Zesty gained a couple of inches! Yay!

For my father-in-law’s 90th birthday, Mark, his brother, our sister-in-law, and I organized a socially distanced outdoor party, where the four of us cooked and provided food and drinks. Sixteen family members were present and we were grateful for the sunny weather and space on the patio of my in-laws. The second expense in the gift category went to a non-fiction book written by a friend.

Birthday party outdoors

The adorable twins in their play corner

The buffet table and cooking station

Happy 90th birthday, Stan!

Not quite ninety candles, but good enough – Stan has his own (favorite) pie: strawberry – rhubarb!

Modern-day kissing

Another perk of Mark’s temporary relocation to the Cape was a daily food stipend of $70, which he never used up. So, we managed to get a few take-out meals and even an outdoor restaurant dinner that didn’t cost us anything! Also, with the last of our credit card points being allocated to food, we actually spent $400 less than this report shows. But, Maya’s fish oil cost almost as much as a 28-pound bag of dog food last month!

Usually, we manage to buy Maya’s fish oil supplement for under $20, so the $30 expense for it last month was painful.

Does this mean Maya is ready to hit the road? Or, the opposite?

At $1,800, September was an above average month in which we spent much more than usual, but for good reasons! 🙂

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

Monthly Expenses – August 2020

September 13, 2020 / Liesbet / 40 Comments

During the entire month of August, Mark, Maya, and I lived in our “room above the garage” in Newburyport, MA – no side-trips in Zesty. As I mentioned before, he has a job with the US Census bureau for two months and I’m 100% focused on my upcoming travel memoir. Other than a neighbor I’ve gotten friendly with, we are not seeing friends or eating out, which is reflected in our expenses. I did finally buy some shorts online, because clothing shops and thrift stores don’t let you try anything on yet; fitting rooms remain closed in Massachusetts.

Mark is ready for another day at work. Maya is not happy.

Weekend walk along the waterfront

My neighbor/new friend likes to forage, which is even possible in this city. (She received permission to pick the pumpkins.)

Maya and I met Mark after work for drinks at a brewery – with picnic tables outside – once, I treated my new friend for ice cream (that’s the eating out category – yep, $5 a scoop in this touristy town!), and we cooked all our meals at home last month.

Picking the steamed lobsters apart…

… for lobster rolls! Served with homemade fries in the oven.

We finally made a special dinner again for Mark’s parents.

Our twin nieces celebrated their seventh birthday at a socially distanced family party, which called for a few gifts. Groceries is on par with a “normal” month and my editor is, once again, our biggest expense in this report. In general, August was a decent spending month, all things considered.

Games at the birthday party

Socially distanced tables for each group of the family.

Cera and Lily turned seven in August.

Gifts!

The main birthday gift: new bikes!

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

How Much Money Do We Make?

August 12, 2020 / Liesbet / 50 Comments

Financial Case Study: Liesbet Collaert – Interview on The Professional Hobo

I’m excited to announce something entirely different and unique today…

Many of you know that I post monthly and yearly expense reports on this blog, without any secrecy. Yet, I have never disclosed how much money I/we actually make in a year. I’ve also been pretty vague about how we have been able to afford our nomadic lifestyle over the years and what is required to financially sustain ourselves.

All this and more insights can be found on Nora Dunn’s website The Professional Hobo, where I take part in her Financial Case Study series. Unlike most of her guests, we don’t make six figures a year and stay true to our motto “The less money you need, the less you need to earn.”

Check it out here!

Warning: Her website is advertisement-heavy.

Financial Case Study: Liesbet Collaert, Roaming About

Liesbet Collaert was born in Belgium and recently became an American, but calls herself a world citizen. She’s been a digital nomad since 2003 (sailing, house sitting, and RVing), earning money as a freelance writer, photographer, translator, and editor. Her first travel memoir is almost ready for publication. Liesbet connects with her readers on her blog Roaming About – A Life Less Ordinary, as well as her Facebook page or Instagram account.

While Liesbet’s income seems small, I think you’ll agree that she and her husband have lived an extraordinary life of travel, and by using creative budget travel tips (like getting accommodation for free) they haven’t been left wanting for much. Check it out!

How long have you been living/working on the road, and where have you traveled to?

Where do I start? Since I’m pretty impulsive and adventurous, my nomadic existence and means to make money developed organically. I’ve always been a traveler. One of the reasons I became a teacher in Belgium was to have a long summer vacation designed around exploring the world. I took two “leave of absences” during my first four years of teaching, to backpack in Southeast Asia and Down Under. Being frugal and passionate about travel, that’s what I used my income for. I never owned anything, making it easy for me to be flexible. The third time I left Belgium for an extended adventure, I never returned. That was in 2003.

While I didn’t need to make money during these initial escapades, as I had savings from my “real job” and I run a tight budget ship, one – of course – can’t journey forever without earnings. Darn! I think it was in 2008 – after a few years of RV-travel and getting close and personal with sailboats – that I started to create some sort of income. Up until that point, I’d cleaned a few boats for change and kept a free blog about our sailing journey on SV Irie to share our experiences and inspire others.

I traveled throughout Europe while living in Belgium until I was 27, backpacked in Southeast Asia and Oceana for two years, explored the continental US, Canada, and Alaska in a truck camper for a year and a half and Mexico and Central America for another year. In 2007, the sailboat episode followed – a journey that brought us from Maryland (USA) south to Florida, throughout the Bahamas and Turks and Caicos, spending hurricane season in the Dominican Republic, and on to the Eastern Caribbean via Puerto Rico and the Virgin Islands.

After three years up and down the Leeward and Windward Islands, we skimmed the out islands of Venezuela, spend time in Colombia, and enjoyed over a year in Panama. The next steps were transiting the Canal, being blown away by wildlife in the Galapagos Islands, and concluding our sailing voyage after cruising in French Polynesia for two years. Eight years after casting off (in 2015), we sold Irie in Tahiti.

Since then, we’ve slowed down a bit, house and pet sitting throughout the United States and exploring North America in our 19ft camper van Zesty. I am more than ready for tropical and exciting destinations again, whenever this pandemic allows it.

Liesbet Collaert of Roaming About sailing SV Irie

Please describe what you do for income.

First, I’d like to point out that my husband and I are very frugal and we’ve found that being careful with expenditures allows us the life we desire – more freedom and less need to be workaholics. The way we manage our money, our aversion towards collecting material goods, and our love of simplicity are leading factors for how we make this nomadic lifestyle work – financially and otherwise.

Continue reading here…

Monthly Expenses – July 2020

August 8, 2020 / Liesbet / 34 Comments

In July, we boondocked in the woods of White Mountain National Forest, New Hampshire, with Zesty for a week and stayed put in our “room above the garage” in Newburyport, Massachusetts for the rest of the month. Our time in nature cost approximately the same as not going anywhere, except for the fuel. We bought groceries and alcohol as usual and camped for free. Yet, the camper expense was higher than normal, because Mark replaced a heating element.

Our free campsite in White Mountains National Forest

Campsite in the woods – social distancing is easy

Our current home base

Early in the month, we had dinner with relatives outside on picnic tables at a brewery. That was the first time we ate “out” in months and probably the last time. We prefer take-out, which we ended the month with. Of the four items we ordered at this Thai restaurant, two were wrong. I guess we will stick to cooking ourselves from now on!

Falafels with homemade pita bread

Vegetarian goodness!

Camper meal: vegetarian pasta dish with homemade no-yeast pan-bread

And, there is a new expense category! Writing. It immediately became the highest cost of the month. Almost $500. That amount in July went to my editor and is half of her fee for the first round of (substantive) edits she performed for my travel memoir. This month, we paid the same amount and I expect two more expenses like these for the second round of edits in September.

My mother-in-law’s patio and garden

Plenty of room to social distance here, for a group up to eight people

Where we saved money is by taking advantage of a credit card offer I wrote about last month. Because of using our miles at 1.5x their value for groceries and restaurant expenses, our actual spending in July was $496 dollars less than reflected in the total underneath.

I don’t tire of this view of the White Mountains!

On paper, it was a relatively expensive month for us, about $100 above our monthly average, but that’s mostly due to a new “investment”. I hope to earn that back one day. 🙂

I encourage any questions and thoughts in the comment section underneath!

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

Getaway to the White Mountains

August 1, 2020 / Liesbet / 62 Comments

New Hampshire’s attractive White Mountains are located 150 miles (241km) northeast of our current home base in Massachusetts. It takes a little over three hours to get there in our van (as opposed to 2.5 hours by car), since we stick to an average highway speed of 55-60mph (90km/h) in Zesty. This consumes less diesel, and we rarely have to pass anyone!

White Mountain National Forest was our destination this past week. It is huge, at 800,000 acres (which expand into Maine), attracts millions of visitors annually, and offers countless recreation possibilities, like 1,200 miles of hiking trails. When Mark and I returned from visiting people in Maine and Vermont in June, we drove through this stunning area and were impressed. We vowed to return for a proper immersion.

(Scroll over or click on images to read photo captions in the galleries.)

Just driving through the White Mountains – Mt. Washington

Quick stop last June – falls at a swimming hole

Monthly Expenses – June 2020

July 5, 2020 / Liesbet / 38 Comments

Most of June was spent away from “our room above the garage”. After six weeks of sheltering in place in this tiny, uninspiring, yet relatively comfortable setting in Massachusetts, Mark, Maya, and I loaded up our campervan with belongings and groceries and traveled north.

We self-isolated for two weeks in Lincolnville, Maine, where we helped out with renovations in a house recently purchased by our brother-in-law and his wife. We didn’t spend any money during those weeks as we didn’t do anything and didn’t go anywhere. The numbers of Covid cases in Maine, New Hampshire, and Vermont have always been low, but we quarantined for 14 days nevertheless.

(Captions appear when you click on or hover over the photos. I have posted more visuals of last month’s experiences in previous blog posts here and here.)

Zesty’s parking spot for two weeks

Sanding the big front porch

Replacing light fixtures

Re-purposing French doors

Kitchen in our “construction zone”

Beautiful view

Meeting halfway the deck – sanding done!

I applied stain with a brush, Mark with a roller.

It only took a day to apply two coats of stain to the sanded front porch

That visit concluded with a couple of hikes and a quick stop in the cute seaside town of Belfast on day 15 and 16, before we moved on to Kingfield, Maine, to hang out with friends for a couple of days.

Rest and a snack during a hike

Skipping eating out for lunch at a popular restaurant in Belfast

Belfast waterfront

Maya and Moose being cute

Cooling off at Flagstaff Lake in Maine

Jen with “frozen” Moose – the lake was too cold for him

Hot afternoon at the lake with friends

Next up, more relaxing with another set of friends at a lake house in Island Pond, Vermont. That was a VERY enjoyable weekend, despite the 90-degree weather. We concluded our “grand tour” with a quick “hello and goodbye” to one more set of friends met on the road last year. Again, it was extremely hot and there was no shade for Zesty. We cooled off in the woods on their property and in a swimming hole by Troy Falls. Other than the last three nights of camping in our van, we stayed inside houses.

Island Pond. our location for a long weekend with friends

Maya blends in with her surroundings

Waterfall in White Mountains National Forest, New Hampshire

Quick stop for a photo of these falls on the drive back to Massachusetts

Sunset over Island Pond

Some of the June categories were higher than usual: groceries because we stopped at a Trader Joe’s (which means splurging on goodies like dumplings, goat cheese, and snacks) and shared special home-cooked dinners, alcohol because we are social drinkers and we socialized a lot, and the dog section because of Maya’s new flea & tick collar and heartworm medicine.

All things considered, June was a decent spending month for us and the numbers underneath are accurate. But… a Covid-related action made us spend much less in real life. Let me explain. With our Chase credit card, Mark and I have been collecting points over the years, accumulating to $1,500 in cash last month. Usually, we save the points and use them for flights to Boston or Belgium. Well, that isn’t happening anytime soon, so we considered alternative benefits. At the same time, Chase announced that customers could redeem points during the pandemic for 1.5 times their value when paying for groceries and dining out, retroactive for 90 days. Our $1,500 instantaneously turned into $2,250!

Mark and I jumped on the offer, waving grocery and restaurant expenses from the previous three months and using points for all our current grocery shopping and take-out meals. To put things in perspective, a $30 food order, for example, costs us $20 as only that equivalent of points is redeemed. It’s a bit of an accounting nightmare, so I’m keeping the spending numbers in my reports equal to what we paid, not incorporating the “free money”. But, based on this fortunate turn of events, we only spent $410 of real money last month and a few hundred dollars less than recorded in February, March , and April as well.

Sorry for the confusion, but I added this explanation to provide total transparency about our expenses. At the end of the year, I will have to post two sets of numbers because of the generosity of our credit card company during these challenging times. Thank you, Chase!

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

I hope my American friends and family are enjoying their Independence Day Weekend. The three of us had a mellow social-distanced BBQ with my brother-in-law and his family yesterday.

Monthly Expenses – May 2020

June 7, 2020 / Liesbet / 45 Comments

Our “kitchen corner” and “office”

Maya enjoys her stay in this “big” room

The entire period, Mark, Maya, and I lived in a room with en-suite bathroom and a makeshift “kitchen” in Newburyport, Massachusetts. Zesty was parked in the driveway, feeling neglected. Apart from getting a thorough cleaning inside and out and having a few parts replaced or fixed. No diesel cost, but May is when our annual camper insurance is due, generally making it the most expensive month of the year.

Quiet boardwalk in Newburyport

Reminder for walkers and bench sitters

The weather wasn’t great. Being cooped up affects Mark more than me. I’m always busy with one or another writing or editing project (or attempting to make headway with my travel memoir – choosing an editor last month), happy with prolonged computer time. Walks with Maya in town involved crossing the road often to avoid pedestrians and keeping at least 6 feet distance when passing on the trails.

Being in nature is the best!

Conquering the hill

Maya is happy to be out and about

Mark found a forested, dog-friendly park ten minutes away from our home base, so he often drove Maya there for a hike. Her itchiness has improved since Florida, but we needed another bottle of Apoquel, which set us back $175 for 100 pills. It’s the cheapest option for this anti-itch medicine. Other “extra” expenses in May included flowers for my mother-in-law and one take-out dinner from a local burger joint.

Mark’s mom sent us a photo of her new Mother’s Day orchid

The average price for one pill is usually $2. Not cheap!

As often, our camper van is the most expensive category in this monthly report, but June should be better!

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

Boondocking Behind the Scenes – Ten Free Campsites Turned Awry

May 21, 2020 / Liesbet / 68 Comments

“A picture says more than a thousand words” is an expression I’m not fond of. Rather, I believe a photo instills certain words, telling only part of the story. Understandably, most people want to capture the beauty of a place. It is often possible to cut out less desirable factors, like hordes of people, piles of garbage, incessant bugs, signage obstructing the view, and so on. Personal moods, climate, noise, and other external factors are invisible. There is a lot more to the actual scene than meets the eye…

Locks WMA campground in Fort McCoy

I’ve played with the idea of taking “as it is” shots in sync with the attractive scenes and posting them next to each other. Yet, I too succumb to blue skies and beautiful scenery. So, this post does not quite display that juxtaposition, but it reveals the truth behind some of our camping experiences in Florida that might look “perfect” at first sight.

Dupuis Water Management District

1) Lake Panasoffkee WMD

Roaming About

A Life Less Ordinary

Category: Living Frugally (page 7 of 15)

Monthly Expenses – November 2020

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Monthly Expenses – October 2020

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Monthly Expenses – September 2020

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Monthly Expenses – August 2020

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How Much Money Do We Make?

Financial Case Study: Liesbet Collaert – Interview on The Professional Hobo

Financial Case Study: Liesbet Collaert, Roaming About

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Monthly Expenses – July 2020

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Getaway to the White Mountains

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Monthly Expenses – June 2020

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Monthly Expenses – May 2020

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Boondocking Behind the Scenes – Ten Free Campsites Turned Awry

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