Seems nothing kills a thread faster than a couple of really off topic posts. So getting back to the topic as I believe there are still things to be learned, the above is the budget under consideration.
If your budget is, or is planned to be, more or less what numbers get changed to make it happen?
I've been clicking around on the internet more and keep finding cruisers with blogs that post years of their real numbers. I'm starting to believe this averages out to something between $2500-4000/mo. The $2500/mo seems to hold true till some larger boat work happens and then there will be a few months of $4000-5000, followed by some months of $1500-2000 where they try to recover some.
I think the lowest average I have come across on a blog from a real cruiser (as opposed to someone just living on their boat) has been about $1500/mo. But to be honest if I had to do the life they describe in their blog I would give it up and go back to work or something.
I also haven't found much far as real life examples of people cruising the way claimed on some of the "cruising on the cheap" threads (to lots of people THIS is a cruising on the cheap thread). Either it isn't possible or is so crappy that they quit. I thought maybe it was due to "they wouldn't have computers and internet" but based on how many will post about doing it on threads that doesn't appear to be true.
I spend about 1200 now on food for me and wife and kids. That generally includes beer and wine but not alcohol. Alcohol reduces the beer and wine budget. We do not eat out much at all. In essence, i think your food budget is too high for two adults.
However, your maintenance, mooring and insurance budget is wayyyyy too low. A slip in Marathon in season is a cool 1000 by itself, per month on a 40' boat. Key West is 2000/month plus about 240 in electric. Aren't going to stay a month? No prob, but then you are dumping a cool 150/night and in 7 marina stops/month you just hit 1k again.
My insurance is 250/month and i have very cheap insurance because i am grandfathered in. Those with less experience and equally priced boats might double that. If you go to the carrib, you will likely double that (my rate did).
My maintenance is anywhere from 40-500/month. My generator parts are very expensive and I shudder every time something breaks. I do ALL of my own work for many reasons, money being one of them but not the biggest.
In all fairness, most places north of here get less expensive, but places south and east get more expensive.
For those cruising on 500/month, i have no idea how. The numbers dont add up to me... On this coast. Prices are cheaper in the pnw, as i shared, but that is not a place i enjoyed outside of summer. But just my food, FOOD!, is nearly three times that. Add in alcohol and it is 3 times that. My maintenance could easily hit 500 on some months, and possibly more on a really bad month. For example, my tach went out and a new one is just over 250. My macerator went out last week and that was 200. My head treatment is 40/month by itself. So if nothing else goes wrong this month, i am at 500 with me doing everything myself. Balance in a air conditioner failure or major equipment failure and those numbers go out the door to many thousands. And, those things WILL go out with 24/7 use.