Showing posts with label Analysis. Show all posts
Showing posts with label Analysis. Show all posts

July 29, 2014

"Do you REALLY want to do this?"

As you see from the blog title changing twice within four days, I've come a full circle from a couple of months ago. At that time I had decided to stop this blog, start a 2nd blog to talk about retirement life in general, since I was not traveling. I then decided for convenience to my readers and to myself to merge back to one blog about a month ago.

This blog is like one big broken record, around around we go, what I do nobody knows.

From my last post on Sunday you see I've been looking at trailers to buy again. I've also looked at all the different kinds of RVs, except truck campers ~laughing.

While I am shopping again, I am hesitant to write updates about my search because I don't want to put everyone through the agony that I have put my readers through the past year or so while looking and discussing different rigs.

I just don't want to go through the roller coaster ride of trying to decide what to buy and driving readers insane doing it.  The fact is I am just as confused recently on what to buy as I have been for two years. Some days I feel like packing the tents, the camping equipment and the hounds and head west to tent camp for a while or at least take a road trip.

With below average temps locally and a "polar plunge" in the forecast it's hard to decide to leave that kind of weather here in the "tropics" of southern Indiana and drive toward western states that have above average temperatures. This summer weather has not only been different but very livable.

Some readers have emailed me telling me once again to keep my house as a base camp until I spend time on the road with the hounds and see how things work out. I can do that and still attempt to fill the wandering urge I have. I am pretty sure of one thing and that is I don't want to spend another winter here in the land of snow and ice.

Sunday night while discussing different rigs with a friend via email, she brought up an interesting question. She has been on my rollercoaster ride for a couple of years since I have asked her a million questions over the years. She had asked this question before more than a year ago but asked again Sunday night.  It left me thinking about it.

"Do you REALLY want to do this?"

That's a valid question and one that has been thought about. Over the past 15 years I have gone through a lot of different cars and trucks. Buying them and trading them with NO hesitation. In some cases I didn't keep most of them for two years and a few less than a year. Spending money on other things was not a problem. There was always a little analysis and research before making the purchase but all purchases were made fairly quickly.

When I decided to move 20 years ago it was almost on a whim. I've been here every since, partly because of the jobs I had. My whole life I have made changes in locations, employment, cars, trucks etc and never, ever took this much time in deciding what to buy. So why can't I "pull the trigger" on a decision to buy a rig of some kind??

We both went through some questions back and forth to try to find where the root of my indecision might be.

Would money be a reason?

I'm not sure, I have enough but I don't want to buy something new and use a lot of my savings account to do it. If I sold my house I would buy something with cash and a rig between old-new, if you know what I mean. I must admit when I decided a year ago that I would most likely retire in May 2014 I had to decrease spending and I have done that so far in my 3+ months of retirement. I stopped buying things on impulse sometime last year during my downsizing. So maybe the dollar plays a part of indecision.

Any fears where you think you can't do this type of traveling?

I love to travel. I love moving down the highway, whether it's a 4 hour trip or a cross country trip. I love to drive and I love to see different parts of the USA. That is the point of RVing, slowing down enough to stop and see what I have driven though over the years at a high rate of speed without taking the time to look around. My cross country bicycle trip comes to mind and how much I enjoyed pulling into a new place while on the road.

I have no doubts I can do that type of camping/traveling. Even though I owned the Class C for only a short time over the fall/winter, I was able to learn how all the RV systems operated, how to winterize a rig, and how to fix truck stuff that broke. So I don't believe any kind of fear is involved in my indecision.

Can you RV and live on your income?

A couple of years ago to not only answer questions I had like this one but also to see if I could afford to retire, I set up an excel spreadsheet listing all expenses and income that were known at that time. I did estimate for instance fuel expense at $4/gl gas, 6,000-8,000 miles driven per year and based on my FJ's mpg, it was roughly 24 cents per mile towing a small trailer. Each option had it's own columns. I had columns for current, retirement no travel, keep the house and travel, sell the house and travel...columns for selling each car, etc.

In all cases I could afford to RV and live on my income. I also added a fudge factor into the analysis because I knew I might spend a little more than planned and I still had money left over every month.

Can you keep the house and RV?

I can keep the house. I'd prefer not to rent the house nor would I like someone housesitting, so it would sit empty while I was gone. Water turned off going to the house. I do not have a furnace but baseboard electric heat all controlled with individual thermostats in each room.

Basically the numbers show that whether I live on the road or live at home, its about the same cost to do either, in fact the only difference is a few hundred dollars.

I assume from those answers, money is not an issue in my indecision. I have had a local friend tell me that I have turned into a 'tightwad' with my money since I started downsizing last year and that might be true. I hate the thought of losing what I have saved and I wonder if I will need a large sum of cash for any future emergencies that might happen.

So maybe she is right when she says "you may not want to do this bad enough to buy a trailer or a motorhome.

I don't know.

March 03, 2013

A productive Weekend

Amazing sometimes how fast things can change. I was sitting here at my Saturday morning with a cup of coffee, reading blogs, sports, news, looking at trailers, rvs, and extreme vehicles. I looked at the room I was in with all my stuff ready to go to the recycling center...so I made that trip to the recycling center. Then I went through my closets another time and left only the bare minimum I would need for work plus my jeans, shorts and tshirts...everything that I had not worn in a while, went into a bag and went to goodwill after hours.

I came back from the 25 mile drive, one way, and started to clean the rest of the afternoon and felt this energy and motivation come over me like I had been missing in the past few weeks, then had the inside of the house looking more like a "presentable view" instead of the "lived in view". My ballgame tipped off at 7:30pm, so I left for that, came back and got some sleep earlier than normal.

Sunday, it was mid 30's but clear and sunny so I went outside to do some work on my bank, picked up limbs from the high winds a few weeks ago and then did a general inspection of the outside of the house for potential repairs...there were none to do. That short time of doing little yard stuff I realized I dreaded doing what would be needed to maintain the yard and landscaping. After all, there has to be more to life than doing that over and over and over every year.

All during this time of cleaning, throwing away stuff and working outside today, I kept thinking of what I was really feeling and what I was wanting to do if money was no option, jobs were no option and the only thing I had was free time.

That answer had me traveling full-time and not here doing the weekly routine things of laundry, lawn work, and looking for something to do while my friends still were working. I thought of RVsue out in Arizona, Glenn's first couple of years of traveling and all the neat stories he wrote about. Then WheelingIt driving that 38' Class A out into the desert with their solar panels and boondocking. I thought of the summer I spent traveling cross country and then up the west coast on with a bicycle, a tent and sleeping bag.

All of this was what excited me, just like it did in October of 2011.

I thought of the times I had moved from the beach in Southern California in 1984 to Whidbey Island Washington up in the San Juan's and how nice it would be to spend just the summers up on the NW instead of the high 90's here with even that high of humidity. Or the times I drove from Reno Nevada down 395 to Southern California and remembering how beautiful that drive was. Then the time I spent the winter during a a ski season in Breckenridge Colorado....I enjoyed all of those places to the max.

Here, is yard work, after I hopefully surviving tornado season, cold winters that I do not want to experience when I'm older and a general feeling of boredom after being here for 16 yrs this month.

Everyone said this weekend, after mentioning to them "I might sell my house", either knew someone that would be interested, some that said "I always liked that house" and an real estate agency wanting to list it if I did decide to sell it, saying they knew of interested people.

With all of those people saying that, plus what I had done this weekend of getting my ass in gear, I knew there was a reason that the thought of rving full-time had never gone away even after several attempts of pushing it out of my thoughts for months at a time. I knew what my gut was telling me was the right course of action and it was time to make it happen.

So when I get home from work tomorrow, I will continue to knock something else off my "to do list", plus I have a few things to work on for even a better look and then the for sale sign is going in the front yard ... but not until I get those things done.

If things don't work out on the road, I'll sell what I have and look for a new residence somewhere out west, small town, where the weather is nice enough all year round to ride my bicycles, hike or soak up some sun.

I feel better already with my thought process. Last week was just a bummer of a week with some of the news I had received.

Now back to finding something to buy to live in on the road.

June 02, 2012

I Could be Boondocking on BLM Land

Instead of boondocking, I slept later than normal today in my house and then started washing my car soon after getting up, with no other plans. Car washing was NOT on any list of things to do today. With the temps in the 60's, a slight breeze and some sun ... washing the car led to waxing the car, which led to cleaning the inside of the car which was already clean. Go figure.

The car looks great ... still, I could have spent the day, kicking back in the silence of BLM land out west with no one around except the 3 hounds, clear blue skies and nice sunshine. Maybe hiking the local area. Then with enough solar power stored to run my TV satellite dish I could watch a baseball game tonight if I wanted or I could just spend more time sitting outside with a fire enjoying the evening.

As it stands now, that is all wishful thinking because I have a house to "unclutter" tomorrow, a corner of my gutter to clean to keep the rain going down the spout instead of over the side of the gutter and a refrigerator to defrost in hopes of fixing the current minor problem it has.

A day of house related maintenance. Not my favorite thing to spend time on.

As I read all the blogs on my list, people I keep up with and their travels, my mind wanders even more than normal today. All had great pictures of places they are, most are finished with any RV maintenance I have read about the past few months. The ONE thought that keeps me thinking .... ALL of them that are RVing full or part-time, can wake up in the morning, change their scenery and by sundown have a different view entirely when they are looking outside their window or sitting by a fire.

Where I will wake up Monday morning like all my Monday mornings dragging myself back to work.

My spreadsheet analysis of my monthly revenue and expenditures tell the real story. It looks like I really only work to earn income just to preform house maintenance, yard maintenance, pay for my house and car insurance, buy dog food, some clothes and a very little entertainment. My biggest expense?  Gas going to and from work, only a 25 mile round trip commute.

On the road I know I would end up doing something online to generate income, or maybe workcamp if I found a job in a great location because that is just the way I am "wired'. I have to be doing something. Maybe not all 12 months but at least part of the year. I have worked full-time online before but the niche I was in changed drastically after 4 years, so I went back to work instead of finding something else to do online to generate income. So online income is always a possibility if needed.

I guess what I am trying to say is, my spreadsheet of monthly expenses shows me that I have enough monthly pension right now to live on full-time RVing ... without a job...without this house.

I read something tonight on someone else blog, where it was stated on a forum something to the effect ... even if your house is paid for there is always money spent for upkeep, maintenance, unexpected repairs, insurance, yard maintenance.

So is that what I am really working for right now?  Just to pay my house off (I'm very close) ... just so I can put more money into it in the future to keep it in good shape ... instead of waking up tomorrow and changing my scenery because I feel the need to move somewhere else or see the next great mountain or canyon while I am boondocking out west on BLM land "enjoying the good life" as John says.


November 21, 2011

Too Much Analysis?

I knocked off a few more items from my list that needed to get done. That's a good thing. A bad thing is I am starting to go back over all of my notes and spreadsheets and re-analyzing. Also looking at a different angle.  I wasn't having doubt but I was thinking over my finances, how much of my savings do I want to dip into either for a rv purchase or perhaps to live on.

I have read budgets on other blogs, I have looked at my budget and also my expenses that I have kept track of the past 10 years on an Excel spreadsheet. I have a feeling that I will spend more than I plan while on the road.  Sure, I can live like a hermit and keep all my expenses RVing as low as possible but I know there will always be something around the corner that will have to be fixed that is unexpected. Just like owning a house.

Would I be willing to workcamp a lot just to get myself on the road?  I don't think so. When I leave for fulltime, I will not be wanting to work. Volunteer...yes!  But not a job.  I have one of those now that pays quite well and a house that is close to being paid for. So I can't really justify leaving a job and a house to get on the road, only to go back to a job (workcamping) to be financially fit while traveling.  I cannot decide just how much of my savings I want to spend.

The ideal situation would be to sell my house, my sports car and all my furniture. Anything else give to goodwill. Then RV full-time. I might like keeping my house as a home base and RV part time, but I  am really the type that I go all the way or not at all....not 1/2 time.

I had an older relative tell me this past week, to rv full-time now, because by the time I am 70 (in 10.5 yrs) I may not have the good health to travel. Her sister and brother in-law have been RVing fulltime and this winter is their last time. Due to health issues they will be selling their 40' motorhome and moving into a family owned condo.

I have heard something to that effect from more than a few people.

My weakness is "over analyzation" and when that happens, I stand still without moving in either direction.

I am starting to think my preparation may be longer than I had planned a few weeks ago and my departure date not until May 2014.

Still, no matter what the departure date turns out to be, I think this bloodhound could sleep about anywhere.