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Old 08-05-2019, 10:53   #16
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Re: Month eight for a middle-aged couple on a modest boat.

[QUOTE=MikeFergie;2885304

Imagine a world map with ďaverageĒ monthly costs for all to access here on the cruiser site.[/QUOTE]

yeah that would be nice. But it's not happening on this forum just based on that there are only a handful of full budget posters
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Old 08-05-2019, 10:56   #17
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Re: Month eight for a middle-aged couple on a modest boat.

I will join you next year ;-)
I will spend my first year in the South east Africa and Indian Ocean region kindíve up to Seychelles before heading to Cape Town to cross the Atlantic
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Old 08-05-2019, 10:59   #18
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Re: Month eight for a middle-aged couple on a modest boat.

Mike, there are a number of cost-of-living tools online. None that I know of are specific to the cruising lifestyle, so I agree, it would be interesting to have this kind of specific comparison. But you can get an idea of general costs using these tools (there are lots):

https://www.numbeo.com/cost-of-living/comparison.jsp
https://www.expatistan.com/cost-of-living
https://smartasset.com/mortgage/cost...ing-calculator
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Old 08-05-2019, 11:05   #19
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Re: Month eight for a middle-aged couple on a modest boat.

Thanks Mike

As you say not specifically for cruising. Having spent the last 19 years being an expiate and understanding this world, I have worked hard to ď regulariseĒ my life because the expiate world can be a very false world in terms of normal earnings and expenses.

Itís going to be an interesting transition for sure
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Old 08-05-2019, 11:08   #20
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Month eight for a middle-aged couple on a modest boat.

Another thing that would really blow that out of the water is living style.
We only eat out once or twice a week, usually try to stay away from touristy areas, never buy drinks at a bar, and usually eat Lunch as itís much cheaper than the Evening meal.
Some eat out every day, at the tourist bars and buy several drinks, and consider that a necessary cost of living.

Some spend $2,000 a month and to them live fine, while others canít ďget byĒ on $5,000 a month, in identical locations.
Ask the guy how he canít get by on $5,000 a month and he will tell you that they only spend money on the necessities.
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Old 08-05-2019, 11:12   #21
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Re: Month eight for a middle-aged couple on a modest boat.

I think thatís why a reasonable breakdown of expenses helps. One can work out your ď ownĒ budget from the framework of others spends. I think a high one nowadays is Comms - cell phones data, sat phones subs to weather routing etc
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Old 08-05-2019, 11:16   #22
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Month eight for a middle-aged couple on a modest boat.

Agreed, many, many people we talk to, who are trying to live frugally, just canít imagine life without them both having a phone, where I think it silly.
We are almost never apart now we are Retired, why would we each need a phone.
It hasnít been all that long ago when no one had a mobile phone, and life went on just fine, but people have been conditioned I guess to think of that phone as a necessity. Homeless people all have smart phones, I guess itís a civil right or something now.

My Wifeís friends and family though I was a horrible guy when I had her phone turned off when we Retired, I respond that itís Hers now, I donít have a phone, they feel better then
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Old 08-05-2019, 12:24   #23
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Re: Month eight for a middle-aged couple on a modest boat.

Agreed on the eating out thing, the touristy thing, and the cell phone thing .

For comparison, we avoid touristy areas, we rarely eat out (and I mean like one or twice in six months unless weíre travelling by car), and we own one iDevice with a modest data plan. As A64 says, weíre rarely apart, so one device with the ability to share the link is usually just fine.

Our budget is definitely on the frugal side, but many others live cheaper than we. Itís not really that hard. It just requires a little effort, and an understanding that we canít afford many things that others might take for granted.
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Old 08-05-2019, 12:29   #24
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Re: Month eight for a middle-aged couple on a modest boat.

Phones and communication is such a small part of our expenses I can't see where it matters that much. We pay $275 a year for Sailmail SSB access. Then have 1 or 2 local SIM cards depending where we are. Usually somewhere between $30 and $70 a month.
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Old 08-05-2019, 12:47   #25
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Re: Month eight for a middle-aged couple on a modest boat.

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Phones and communication is such a small part of our expenses I can't see where it matters that much. We pay $275 a year for Sailmail SSB access. Then have 1 or 2 local SIM cards depending where we are. Usually somewhere between $30 and $70 a month.
Ah, see $30/month is significant in my world. And $70 is a major expense. Ours ranges from $6 to $30/month (CND).
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Old 08-05-2019, 13:31   #26
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Re: Month eight for a middle-aged couple on a modest boat.

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We live on about ~$1200 US ($1500 CND). Two adults. I wouldnít say itís easy, but neither is it hard, as in living a hard life. Truth is, we live very well. Weíre just very conscious of what we buy, and what we pay.



Some months are pretty lean. Iíve even had cut back on my craft beer consumption at times But mostly itís not been too hard.


I think some of that is where you cruise?
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Old 08-05-2019, 13:36   #27
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Re: Month eight for a middle-aged couple on a modest boat.

Biggest expense for me is the nm's uder the keel! Money spent preparing the boat for ocean crossings is significant compared to just bobbing along the coast. Big passages wear things out, just noticed rudder bearings are shot, will be hauling out sooner than I was going to now.
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Old 08-05-2019, 13:40   #28
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Re: Month eight for a middle-aged couple on a modest boat.

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Ah, see $30/month is significant in my world. And $70 is a major expense. Ours ranges from $6 to $30/month (CND).
Clearly, just seems to me $30 a month barely covers the miscellaneous stuff needed to keep a cruising boat in good condition. I guess we get hit with enough mid-sized stuff that I can't be concerned about $30 a month. Just finishing up replacing bimini and dodger canvas. It'll cost more than $30 a day for a month.
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Old 08-05-2019, 14:34   #29
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Re: Month eight for a middle-aged couple on a modest boat.

Hell if $30/mo could cover the normal everyday misc stuff on my boat I would save a third world fortune
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Old 08-05-2019, 14:48   #30
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Re: Month eight for a middle-aged couple on a modest boat.

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Clearly, just seems to me $30 a month barely covers the miscellaneous stuff needed to keep a cruising boat in good condition. I guess we get hit with enough mid-sized stuff that I can't be concerned about $30 a month. Just finishing up replacing bimini and dodger canvas. It'll cost more than $30 a day for a month.


Yes, it happens to us ALL, I had all of my canvas replaced in Brunswick Ga, last year too, also had the interior salon cushions replaced etc.
Year before we bought a custom Mattress from boatbeds.com for a ridiculous amount of money.

That is why we take money each month and put away. I donít see any way to stay within budget if you donít save some every month, cause budget busting expenses continue to happen, and if you think your going to get ahead of them or that a new boat wonít need anything for at least five years, Iím afraid you may be mistaken.
That is why I think the very frugal cruisers among us, their boats may be deteriorating over time, cause new Sails, Biminiís etc are out of reach.
So they do things like paint the ones they have, etc.
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