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Old 07-01-2010
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If you are sailing constantly, the boat will have more wear than you may anticipate. Count on at least 10% of the cost of the boat for yearly maintenance - sail repair, engine and genset maintenance, etc. Insurance for yourseves and the boat will also be big expenses. You will probably be in marinas more often than you anticipate. We have lived aboard for the last 7 years on our 58ft Taswell - in the Chesapeake in the Summer and the Caribbean in the Winter. I do most of the simple maintenance. Excluding debt service, we probably spend about 5-6k per month. The biggest expense is our health insurance which is close to 2k/month. Our boat is now for sale as we are moving back ashore in Sint Maarten.
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