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  #71  
Old 02-01-2014
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Re: $3000/mo cruising budget

Just noticed this thread, but I am very interested as $3000 per month is what we plan to live on while cruising. My plan is to spend $2000 per month, and leave $12K per year for insurance and major expenses (new sail, new dinghy, etc.).

We own nothing on land, so all our money can be spend on the boat and living. We do 90% of our own work and keep a very simple boat.

Few marinas, one or two meals a week ashore (lunches). We will only do this for a year or two at a time, so don't have as many major equipment replacement expenses as long term cruisers. Between cruising stints we will work but live on the boat (which is what we do now).

Great to hear from other people living on this budget and people who thought they could but could not. Keep the info coming!
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  #72  
Old 02-02-2014
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Re: $3000/mo cruising budget

travelin is absolutely right in what he says, and the only thing I will add is this. In the past few years I have had the great displeasure of dealing with our wonderful medical system and the truth is, the greed in US medical system is staggering at every level, and incompetence is equally staggering.

XORT says that someone was miss diagnosed in a foreign country and needed bypass surgery.

3 years ago my sister died of a heart attack at 60 years. she had allergies all her life and went to see a rheumatologist whom did many tests and charged tens of thousands of dollars for his wonderful services. She was feeling some discomfort in her chest. I had heard about this and called her to urge her to get a stress test as our family has history of heart disease. She was convinced however that her doctors were so smart because they have lots of degrees and they were giving her the good and very expensive advice.


After dealing with the medical system I feel that stories like this are the norm, its just that these people aren't around to tell their stories.
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  #73  
Old 02-02-2014
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Re: $3000/mo cruising budget

Quote:
Originally Posted by MarkofSeaLife View Post
It is not USA bashing!
Quote:
Originally Posted by MarkofSeaLife View Post
.......America, as in the USA has definitly the worst medical system in the developed world and is out paced by clinics in the 3 rd world.......
Come on man, this was a bit of bashing.

For certain, there is a big difference between comparing the breadth and quality of care available in the USA from how it compares in cost or socialist access to it abroad. Some of the best docs and most modern medical technology is available within a couple miles of my home. There is no way a 3rd world clinic out paces it. On the other hand, it is undoubtedly the more expensive too. Two different arguments.

Quote:
Yes, cancer and other gross terminal diseases are catastrophic, but should one sit at home their whole life in case they are one of the few, in percentage terms, who get cancer (4%), CVD, or something else?
Who suggested anyone stay home? The discussion is about getting home, if you pull the short straw.

Quote:
Finally, flights home on an urgent basis are not discounted by the airlines. It might be fine flying from the Caribbean to the USA booking a flight tomorrow, how about further from home? Just as an example, a friend was flown home from St martin by a superyacht so they had no budget restriction, the next day, from st martin to Australia. Price.... ONE way... USD $4,200

So when cruising long range on $3,000 per month you need to factor in all the contingencies, unbiasedly.
Despite repeated efforts, you're really missing the point here. If I am diagnosed with a catastrophic, potentially terminal disease, I will pay what is necessary to get home to be with my family and thought most would. Maybe I'm wrong. Where's the bias? Anyone that wants to stay abroad is welcome to.
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  #74  
Old 02-02-2014
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Re: $3000/mo cruising budget

I believe the point is that if you have to pay for US medical coverage it will be a lot harder to cruise on $3000/mo.

Maybe we can move on now unless someone has cruised for $3000/mo while at the same time maintaining US coverage (paid coverage)

My planned $3000/mo budget for 2 people breaks down to:
food - $1200
boat (mooring, maintenance, insurance) - $1000
eating out & entertainment - $500
phone - $100
misc - $200
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  #75  
Old 02-02-2014
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Re: $3000/mo cruising budget

Be important to discuss this also in terms of size of boat,number of permanent crew and age of boat. I've been going back and forth to public profile in order to interpret posts. We are 2'in our sixties on 46' which is new. That's very different then a family of 4 on 53' which is 10y old due for new rig,sails and engine rebuild.. Please add particulars. Thanks.keep it going I'm learning a lot.
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  #76  
Old 02-02-2014
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Re: $3000/mo cruising budget

Rant mode ON

For those not paying attention, the situation in the US, vis. health insurance is changing rapidly. The ACA has turned the insurance industry and the medical care industries upside down. The politicians are jockeying for position trying to avoid negative fallout from their constituents. The administration is issuing executive orders exempting favored political groups and pushing back implementation deadlines. The opposition in the house has voted forty times to defund the act but the senate refuses to vote on it. The individual and employer mandates have been postponed so as not to affect elections. The whole thing is not scheduled to kick in until 2015 (After the next elections) in the hopes that the Democrat party can hold their majority in the senate.

There is no telling what the landscape will look like a year from now and in 2016 we have national elections again that will give us a new President, while one third of the senate and all of the house of representative stand for re-election. By then, at the current rate of change, the US will be a completely different country. There is no guarantee that the money you pay out for insurance today will get you medical care when you need it down the road.

If you have a five year plan to go cruising and are concerned about medical services, I suggest you plan to have enough money to pay a doctor yourself. You will be amazed at how much money you save by dealing directly with your doctor instead of paying an insurance company to do it for you.

Above all, if you plan to go cruising, "Free your mind". Cut the leash and learn to depend on yourself instead of someone you send a check to every month.


Rant mode OFF
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Last edited by vega1860; 02-03-2014 at 12:21 PM.
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  #77  
Old 02-02-2014
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Re: $3000/mo cruising budget

Quote:
Originally Posted by Don0190 View Post
I believe the point is that if you have to pay for US medical coverage it will be a lot harder to cruise on $3000/mo.

Maybe we can move on now unless someone has cruised for $3000/mo while at the same time maintaining US coverage (paid coverage)

My planned $3000/mo budget for 2 people breaks down to:
food - $1200
boat (mooring, maintenance, insurance) - $1000
eating out & entertainment - $500
phone - $100
misc - $200
1200for food and another 500 for eating out. Wooaa dude
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  #78  
Old 02-02-2014
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Re: $3000/mo cruising budget

We have a high deductable health plan for the big one. Cost is around 350/mo. Varies widely by state. As part of a cruising decision domicile should be investigated. You can use a place like St Brendens Isle in Florida as your mail forwarder and mailing address but have a domicile in another state, and register the boat in a third if you choose.
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  #79  
Old 02-06-2014
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Re: $3000/mo cruising budget

Quote:
Originally Posted by Don0190 View Post
I believe the point is that if you have to pay for US medical coverage it will be a lot harder to cruise on $3000/mo.

Maybe we can move on now unless someone has cruised for $3000/mo while at the same time maintaining US coverage (paid coverage)

My planned $3000/mo budget for 2 people breaks down to:
food - $1200
boat (mooring, maintenance, insurance) - $1000
eating out & entertainment - $500
phone - $100
misc - $200
The above was based on my current spending budget by taking out my land house expenses. I would expect that people want to live same basic quality of life when cruising that they were on land. But a better breakdown of the gross areas could be done if I really kept such detailed info, but for explanation:

Food - includes everything your normally buy at a grocery type of store. That is actual food, soda, beer, toilet paper, paper towels, cleaners, health products like soap

Boat - includes all things related to the boat. Insurance, permits, moorings, slips, maintenance, repairs, upgrades, haul outs. And it has to include an averaging of the big ticket items that come up every few years. The $1000/mo is really what the past 5 years of boat ownership have worked out to be and don't really have some of the bigger things like replacement sails in the number as I haven't done that yet.

eating out and entertainment - Includes dining out, movies, sight seeing costs including related travel. So basically dining and any money you spend on non free things done for just fun.

Phone - I don't really know what this might also include but my wife is typical in that she doesn't like the idea of being out of communication with the family.

Misc- includes everything that doesn't fit into the other areas, like cloths hair cuts, health reated costs
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Last edited by Don0190; 02-17-2014 at 09:36 AM.
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  #80  
Old 02-06-2014
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Re: $3000/mo cruising budget

Quote:
Originally Posted by mitchbrown View Post
travelin is absolutely right in what he says, and the only thing I will add is this. In the past few years I have had the great displeasure of dealing with our wonderful medical system and the truth is, the greed in US medical system is staggering at every level, and incompetence is equally staggering.

XORT says that someone was miss diagnosed in a foreign country and needed bypass surgery.

3 years ago my sister died of a heart attack at 60 years. she had allergies all her life and went to see a rheumatologist whom did many tests and charged tens of thousands of dollars for his wonderful services. She was feeling some discomfort in her chest. I had heard about this and called her to urge her to get a stress test as our family has history of heart disease. She was convinced however that her doctors were so smart because they have lots of degrees and they were giving her the good and very expensive advice.


After dealing with the medical system I feel that stories like this are the norm, its just that these people aren't around to tell their stories.
Everyone has horror stories because they happen. I had a friend (in the US) who suspected he was having an appendicitis attack. He went to the emergency room, and they gave him ant-acids and sent him home. That night his appendix ruptured. He was in the hospital a week recovering.
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