Cruisers Forum
 


Join CruisersForum Today

View Poll Results: What is your annual live-aboard budget?
0 - $9,999 per annum 46 12.57%
$10,000 - $14,999 per annum 63 17.21%
$15,000 - $19,999 per annum 46 12.57%
$20,000 - $24,999 per annum 57 15.57%
$25,000 - $35,999 per annum 69 18.85%
$35,000 - $49,999 per annum 42 11.48%
$50,000 - $100,000 per annum 32 8.74%
More than $100,000 per annum 11 3.01%
Voters: 366. You may not vote on this poll

Reply
 
Thread Tools Rate Thread Display Modes
Old 27-01-2008, 23:45   #121
Registered User

Join Date: Jan 2008
Posts: 1
credit card interest rates

Will we be allowed to get grant money for the excessive finance fees already paid by the reset interest rates? I think the mortgage companies should at least have to pay it back to us that have had resets. The banks are dirty rich on our backs of labor and owe us a refund and more normal interest rates going forward. Do you think the govt. can help us with the credit card interest rates that are also an overcharge?
__________________

__________________
small business grants
lonelylady11 is offline   Reply With Quote
Old 28-01-2008, 05:01   #122
Registered User
 
waterworldly's Avatar

Join Date: Aug 2007
Location: New York City/Bimini
Boat: 52' Irwin Ketch
Posts: 441
Let's see . . . the government via the FED reduces rates that banks borrow money with to under 4% and the banks lend it to you on plastic at 16-28%, with the top level going to the least able (those already in trouble or close to it), and all the politians can talk about is a $300-600 rebate once, when your interest rate on your Walmart crap is probably about . . . 300% a month. NOPE, the govenment will do nothing about this. Let's compare . . . lobbys for banks, about 100,000,000 a year, lobbys for poor folks, about $0 per year, sitting pretty as a bank . . . PRICELESS. They don't want you out of debt, they want you in debt forever, and that's a PLAN, not a guess. That's why they encourage you to just pay the minimum. Once you understand, you should get really MAD and do everything you can to pay them off. That is your only way to get back at them. Then, perhaps, you will be able to get reasonable rates on savings again. This all started back around 1980 and is now an artform.
__________________

__________________
waterworldly is offline   Reply With Quote
Old 28-01-2008, 05:40   #123
Marine Service Provider

Join Date: Oct 2007
Boat: Endeavour 42CC
Posts: 1,182
surefire fix

There is a very easy way to avoid those high credit card bills...pay your bill in full every month.
I pay for everything I buy with a credit card & haven't paid CC interest in 20 years. AND, I get free airfare once in a while just for using my CC. If you have a problem with CC interest payments and are looking for someone to blame, go buy a mirror. They work real well.
__________________
gettinthere is offline   Reply With Quote
Old 04-03-2008, 15:17   #124
Eternal Member
 
imagine2frolic's Avatar

Join Date: Feb 2008
Location: Las Brisas Panama AGAIN!
Boat: Simpson, Catamaran, 46ft. IMAGINE
Posts: 4,508
Images: 123
It has been almost a year since chuckr, richt, and cookie's cutter have posted on this thread.....where are they now??????????????????????...hopefully sailing!
__________________
imagine2frolic is offline   Reply With Quote
Old 12-03-2008, 21:54   #125
Registered User

Join Date: Jul 2006
Location: Underway in the Med -
Boat: Jeanneau 40 DS SoulMates
Posts: 1,904
Images: 1
i am suppose to close on my house tomorrow - after a lot of setbacks - i should have rented it last year but spent to much time with the wrong broker -
soulmates is being prepared for a may departure up the east coast - i did work part time and in the mean time did put an ssb on soulmates and a few other items
will keep all informed on the cost as soulmates is a fairly new boat so maintenance cost should be down
cutting the dock lines soon
chuck and svsoulmates
ki4sry
__________________
chuckr is offline   Reply With Quote
Old 13-03-2008, 20:09   #126
Registered User
 
scotte's Avatar

Join Date: Apr 2007
Location: SF Bay Area, CA, USA
Boat: Privilege 39
Posts: 664
I was discussing a minimal cruising kitty recently with my good friend on S/V Adventure. His comment was "It doesn't matter, the boat will take everything you have".
__________________
scotte is offline   Reply With Quote
Old 01-04-2008, 05:11   #127
Long Range Cruiser
 
MarkJ's Avatar

Cruisers Forum Supporter

Join Date: Dec 2007
Location: Australian living on "Sea Life" currently in England.
Boat: Beneteau 393 "Sea Life"
Posts: 12,828
Images: 25
Its interesting to see the results of this poll that each bracket is running, more or less, even. Each $5k band is about 10%. I think it means that we not only can all do it but are all doing it, no matter the budget.

Its great comfort to me personally, as I know the ups and downs in investments can be factored in by living a bit more frugally for a few months (like the next few months!).

This is a great poll.


Mark
__________________
Notes on a Circumnavigation.
OurLifeAtSea.com

Somalia Pirates and our Convoy
MarkJ is offline   Reply With Quote
Old 08-04-2008, 06:37   #128
Registered User

Join Date: Apr 2008
Location: Cape Cod MA
Boat: Endevour,sloop,40 Destiny
Posts: 66
Send a message via AIM to Jim St.Pierre Send a message via Yahoo to Jim St.Pierre
Cost of Crusing

Hello Everyone, this is a reply to an old post. "The cost of crusing". I think it was best defined by this quote. "a change in lifestyle is as much about philosophy as it is dollars and cents. So when you think about a budget, think about what it takes for you to be happy and enjoy life, then you'll know how much you need."
No one can really make an accurate statement to this question. Sure it would be wonderful if one had lots of zeros after a number, but I think it comes down to life style and some luck. It is like playing the weather, some days are good, some not. I/we plan on sailing/crusing short term at first (5-6 months). That will give us a good idea on how to fund our "life style". Take a look at what makes you happy, what you can do without and what your "needs" really are. Good luck all, and congratulations to the ones that have done it and to the ones that are going to do it.
__________________
Jim St.Pierre
Jim St.Pierre is offline   Reply With Quote
Old 09-04-2008, 11:19   #129
Registered User

Join Date: Feb 2008
Location: Cruising
Boat: Jeanneau 38 Gin Fizz- Rhosyn Mor
Posts: 331
How much it will take for any givern person is up to them, I know my annual budget when not cruising runs about 16k a year including all boat maintenance, when cruising my annual budget runs about 12K a year. I have no passive income. I work between cruises. Currently in Annapolis at a dock. Boat is 38 feet. in well above average condition. THis year I am looking at about $8,000 going in to Rhosyn Mor in order to have her ready to leave in the winter. So this year/segment is $8K into the boat, 8K to live on for the year, and $12K into the kitty. I find that 9 months work provides about 12 months cruising kitty. Normally would not have that high a maintenance figure but this year is engine rebuild. Normally I estimate betweeen 3 and 4 thou a year into the boat the years that I work and near nothing when not working. I do all the big jobs on the boat while working so that no major problems should occur when sailing- I keep the systems very simple.
__________________
Rhosyn Mor is offline   Reply With Quote
Old 05-05-2008, 17:51   #130
Senior Cruiser

Cruisers Forum Supporter

Join Date: Nov 2005
Location: Tasmania
Boat: VandeStadt IOR 40' - Insatiable
Posts: 2,317
Images: 91
Bumped for interest...
__________________
Weyalan is offline   Reply With Quote
Old 05-05-2008, 23:01   #131
Senior Cruiser
 
Talbot's Avatar

Cruisers Forum Supporter

Join Date: Jun 2004
Location: Brighton, UK
Boat: Privilege 37
Posts: 3,579
Images: 32
Quote:
Originally Posted by Weyalan View Post
Bumped for interest...
I hope you have insurance
__________________
"Be wary of strong drink. It can make you shoot at tax collectors - and miss."
Robert A Heinlein
Talbot is offline   Reply With Quote
Old 06-05-2008, 16:24   #132
Senior Cruiser

Cruisers Forum Supporter

Join Date: Nov 2005
Location: Tasmania
Boat: VandeStadt IOR 40' - Insatiable
Posts: 2,317
Images: 91
That is what rub rails and fenders are for

But, seriously, this thread is of continuing interest to me as I try to get the financial ducks in a row (what a horrible metaphor) to be able to cut the dock lines...
__________________
Weyalan is offline   Reply With Quote
Old 07-05-2008, 05:26   #133
Registered User
 
VieuxMalin's Avatar

Join Date: Aug 2007
Location: On board
Boat: Alpa42 Ketch
Posts: 79
Images: 9
Send a message via Skype™ to VieuxMalin
Quote:
Originally Posted by scotte View Post
I was discussing a minimal cruising kitty recently with my good friend on S/V Adventure. His comment was "It doesn't matter, the boat will take everything you have".
Xcuse me, did he mean that one can just sail off without any income (savings &/or house rental) and he/she will be able to survive around the world with his/her boat? I doubt it can be possible...
__________________
NAVIGARE NECESSE EST
VieuxMalin is offline   Reply With Quote
Old 07-05-2008, 08:50   #134
Senior Cruiser
 
Talbot's Avatar

Cruisers Forum Supporter

Join Date: Jun 2004
Location: Brighton, UK
Boat: Privilege 37
Posts: 3,579
Images: 32
Quote:
Originally Posted by Weyalan View Post
That is what rub rails and fenders are for

But, seriously, this thread is of continuing interest to me as I try to get the financial ducks in a row (what a horrible metaphor) to be able to cut the dock lines...


Me too. I hope to be doing so as well in the next 5 years.

First I have to cut the connecting line through the bank with my X wife, then see how much money is left.
__________________
"Be wary of strong drink. It can make you shoot at tax collectors - and miss."
Robert A Heinlein
Talbot is offline   Reply With Quote
Old 07-05-2008, 16:19   #135
Senior Cruiser

Cruisers Forum Supporter

Join Date: Nov 2005
Location: Tasmania
Boat: VandeStadt IOR 40' - Insatiable
Posts: 2,317
Images: 91
Quote:
Originally Posted by Talbot View Post
First I have to cut the connecting line through the bank with my X wife, then see how much money is left.
That's gonna sting. Good luck!
__________________

__________________
Weyalan is offline   Reply With Quote
Reply

Thread Tools
Display Modes Rate This Thread
Rate This Thread:

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
38-42 Foot Catamaran Liveaboard Annual Budget Island Topics Dollars & Cents 12 08-04-2013 14:40
Live Aboard for Next to Nothing Skipper Dan Liveaboard's Forum 99 15-10-2011 10:37
budget long term live aboard cruiser tallboy Monohull Sailboats 9 06-02-2009 11:59
Which cat for live aboard with 120,000 US budget Downhereinmexic Multihull Sailboats 68 09-08-2008 13:04



Copyright 2002- Social Knowledge, LLC All Rights Reserved.

All times are GMT -7. The time now is 05:11.


Google+
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2017, vBulletin Solutions, Inc.
Social Knowledge Networks
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2017, vBulletin Solutions, Inc.

ShowCase vBulletin Plugins by Drive Thru Online, Inc.