My wife and I have been
living aboard our 1988 Brewer 44 for the past year and a half. Last fall we went from
Maine to George Town
Bahamas for the winter and back to
New England in the spring. We mostly
anchor out. I do most of the
work on the boat myself, and I try to keep the boat fairly simple ie no
watermaker,
generator or
air conditioning. My wife has elderly parents so she had to travel back and forth a number of times. Our
health insurance is low because we pay the same low premiums as when she worked. Here are our general expense categories per month, which have worked well for us. Do not underestimate the cost of boat
maintenance and repair, if you don’t stay ahead of it it will bite you in the butt. We don’t spend $1,500 on the boat every month, but some months the bill can reach several thousand or more.
Docking/mooring $350
Fuel/water $350
Boat maintenance/repair $1,500
Boat
insurance $237
Local travel $300
Food/alcohol $600
Dining out/entertainment $600
Personal (inc air travel) $1000
Communications $100
Software/subscriptions $60
Medical/dental
insurance $100
Doctor/dentist/drugs $30
Storage container $130
Gifts and tips $250
Charity $300
Interest/bank
fees $20
Taxes $600
Total $6,527/mo