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  Topic Review (Newest First)
2 Weeks Ago 08:42 PM
Victoria Demontelimar
Re: $3000/mo cruising budget

We left with a 3,000 budget, 1000 for us 4 (mainly food), 1000 for the boat, 1000 for the rest (phone, internet, car rentals, marinas etc.). We actually were bellow over the past 3 years, more likely to be bellow 3000USD, probably around 2000-2500USD, without really counting. Now, we hate crowd, hence almost no marina, no car rental, no restaurant (only a few very good ones from time to time), only seclude anchorage where there is no daily fee (no internet, no restaurant, no shop, no spending). We fish and we drink water from the watermaker (no need to carry heavy packs) or rum, but with small kids, you tend to limit the consumption and this does not hit the budget. In remote areas, people give us fruits, fish (when we don't catch anything) and there is actually nothing to spend our money on. We trade books, eBook, films. In the Grenadines or the San Blas, lobsters are cheaper than tomatoes (if you find any), and shopping is limited to Amazon or eBay, when you have decent internet, but you still have nowhere to ship to and you actually need nothing.
Then come the "unexpected", you need a new main, a new motor for the dinghy or something and the decision is always invest heavy or spend minimal to keep up and running, which could still remain in the original budget. And this is where it hurts, if you have reserves. If you don't have, then you don't spend. Simple.
12-15-2015 09:44 PM
Re: $3000/mo cruising budget

should mention slip rate nearly half than if done as transient.
12-15-2015 03:44 PM
Re: $3000/mo cruising budget

Find a lot of that depends on lifestyle. If you need to go back and forth with any frequency it may be cheaper to have a yacht management company involved and have them deal with Marina.
12-15-2015 02:14 PM
Re: $3000/mo cruising budget

The only time I stayed at marinas was when weather conditions were too cold and I needed their electricity to run my heat pump, and in Marathon Key, Florida, when I docked at the City Marina bulkhead which was level with my deck and made it safer and easier to load and unload my music gear, which can be a bit cumbersome. The bulkhead was just a short distance from the marina driveway, where a friend picked me and my gear up and transported me to the venues where I performed. The money I made in tips alone more than offset the marina expense, and my food and booze costs. Had it not been for the music equipment, I would have lived on the hook, which would have saved me $758 a month in slip rent for residing in Paradise.

All the best,

12-15-2015 09:36 AM
Re: $3000/mo cruising budget

Originally Posted by capta View Post
If you think you need to spend a fortune on medical insurance for US doctors and care, think again. Self insure and save yourself a bundle.
I don't have an issue with people doing the self health insure if living outside the States. In fact when I started down the path to cruising if as my assumption that it would only be possible if I got out of the USA. But I've yet to read a story of a cruiser doing the self insure and getting a major problem like a heart bypass etc.

Meanwhile there's still a new question for the thread:

So cruisers the question is: do you regularly stay at a marina longer than you would like just to manage the associated dockage costs?
12-15-2015 09:33 AM
Re: $3000/mo cruising budget

So cruisers the question is: do you regularly stay at a marina longer than you would like just to manage the associated dockage costs?

Yes, that is part of the strategy. We rarely pull into a marina for a few days. Marina time is usually associated with some major project, local inland travel or a longer trip to some place we can't get to by boat.
12-15-2015 09:24 AM
Re: $3000/mo cruising budget

Last week I had two teeth pulled (painlessly) in a state of the art dental clinic for us$62.00. That included the consultation and x-rays.
When I had to renew my ticket, after battling the USCG over the mandatory use of US licensed doctors (and winning), I got all the necessary tests (including EKG & stress) and blood work in state of the art doctor's offices in Antigua for around us$150.00.
If you think you need to spend a fortune on medical insurance for US doctors and care, think again. Self insure and save yourself a bundle.
12-15-2015 08:21 AM
Re: $3000/mo cruising budget

In my opinion one could be living pretty darn well on 3K a month. The only variable would be slip cost. unless of course your on the hook then your living large. I pay roughly lets say right around $900/month for my slip, leaving me $2k, I think the average couple could live a pretty care free life financially with $2k. I suppose it depends on your life style. Im also assuming as in my case the boats payed for and and insurance is a one time payment yearly in full. Beyond that your just paying to eat and entertain yourself. I don't think you can figure in repairs etc, that should be a lump sum set aside each year to draw from in my opinion. And if you don't use it all then roll it over to the next year. Something expensive is bound to come along and you'll be glad you have the money set aside. Just my thoughts guys.
12-15-2015 12:18 AM
Re: $3000/mo cruising budget

This is a very interesting thread. Now I just need a day to read it all.
12-15-2015 12:07 AM
Re: $3000/mo cruising budget

Don, when I was in Marathon, Florida, the City Marina pretty much owned Boot Key Harbor, mooring balls were $300 a month for my 33 footer, and tying up at the marina bulkhead, which provided me with water, electricity and internet connection cost me $758 per month. The only reason I opted for the marina bulkhead was the ease of loading and unloading my music gear, which is fairly extensive and does not tolerate getting wet or moist. In my case, the marina expense was quickly offset by my ability to play music at the local restaurants and tiki bars.

All the best,

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