I know everyone wants to know how we afford full time family travel with 4 kids and 2 dogs. I know I want to know when we see other families living this life, so here you go. I will be as transparent as possible in explaining how we are LEARNING to afford this lifestyle. I say learning because I don’t think we have it all figured out yet.

First and foremost we lowered our burn rate. Your burn rate is the amount of money that you spend each month.

Our Bills for Full Time Family Travel

Here is a look at our set monthly bills:

RV payment: $533 a month
Car payment: $320 a month
Insurance: $170 a month:

(RV, car, and our stuff – since we don’t have home owners insurance, we have a policy on the items in our RV since the RV insurance does not cover that).

My cell phone: $55 a month:

Through Straight Talk – with Verizon coverage – 10g data and unlimited talk and text. I had previously purchased a phone outright.

Craig’s cell phone: $49 (he purchased a phone out right as well)
Internet: $70 a month

This is really low and one of the biggest challenges for families living on the road. The key is to keep an eye out for new unlimited plans that pop up. These have proven to not last very long, but you never know. In reality, you should expect to pay closer to $200 a month for internet. It all depends on your needs though.

Kids stock: $50 a month

We invest $50 each month and rotate which kid gets it. No, $150 a year isn’t much for each kid, but it is something.

Hulu: $12 a month

Yup, we got it. Yup, we pay for the non-commericial version. It’s great to be able to watch the Bachelor without commercials 🙂

Life Insurance: $64 a month

This is for Craig and I.

Thousand Trails Membership: $50 a month

We bought a used membership to the Thousand Trails system. This is basically a campground timeshare. The membership costed $3,000 which is fully paid for, but we have to pay $550 as a yearly fee. The membership allows us to stay for free at any Thousand Trails campground. We can stay for 2 weeks at a time, then we have to go to another Thousand Trails campground. We could camp all year for free if we always stayed at a Thousand Trails campground. We don’t do that, but this really helps offset higher costing campgrounds we stay at.

Health Insurance: $178 a month

This is through the Marketplace. We get a subsidy from the state we are residents of – Wisconsin. Yes this is low. But we don’t make much money and we have 6 people so we get a really good subsidy. We are nervous what is going to happen in the coming years . . .

This comes out to $1,561 a month for our bills.

Living Expenses for Full Time Family Travel

Next comes living expenses. Things like food, gas, paying for our campsites, and spending money. These costs really vary and is part of what we are trying to work on. That said, these numbers are not 100% accurate since they change from month to month. But this is what we aim for.

Groceries: $1000 – $1200 a month

We would like this more in the $800 range, we are working on it. Here’s some more info on what we do for groceries and meal planning.

Gas for the car: $150 a month

To be honest I have no idea how accurate this is. And it all depends on the activities that we do in that month and how far we have to drive.

Campgrounds: Free to $2,100 a month

We want to aim for $600 a month. Yes, there’s quite a difference between $0 and $2,100. We chose a couple of locations this year that were out of our budget range, but we splurged. So, yes, if we are really trying, we want it to be around $600 which we have done some months and other months, we have been way over.

Spending: $500 – $1000 a month

Again totally varies and we are trying to work at keeping it at $500 for a month. Spending money would be what we spend on doing activities, going out to eat, and any other money we just spend here or there.

Extras:

RV Gas: $300 or more a month

It depends on where we are traveling.

RV Maintenance and repairs: ??

Who knows! An oil change is a couple hundred but it all depends on how far we drive how often we need one. And who knows when something is going to need to be fixed with the RV. So it is really hard to plan for. We basically figured our savings would have to cover it.

Living expenses comes out to $2500 – ? per month

Adding both together, it comes to about $4200 a month

As you can tell this does not include savings or retirement planning and also does not leave a lot of room for error. We have decided to change our lifestyle so we work less, need less, and live more on the edge. Where we have to be comfortable with the unknown.

There are other families who make a lot more money and spend a lot more money. So please don’t think this is the only way this lifestyle works. There are also other families who have learned to live on even less than us. We are striving for that still. We would love to get rid of our RV payment and car payment and may do that by downsizing.

We also both have 401K’s from previous employments. Should we still be saving for retirement? Yes. Is that a priority, not so much when we are kind of living our retirement now :)! But we do want to add in retirement planning again as soon as we can.

No, we aren’t actively adding to our savings. Would that make some people uncomfortable? Yes. Does it make us uncomfortable, not really. We are living for the moment and putting our money into that. Would we like to save? Yes. Will we in the future – I am sure we will.

Working while we full time family travel

So how do we make $4200 a month while living on the road?

It has been an interesting process and started with Craig taking his full time job and working it out with his boss to be able to work remote 40 hours a week. We quickly realized we didn’t like him having to work 9 to 5 so we decided to start our own business so that we could work when we wanted and as much as we wanted.

Our Virtual Business

In September 2014 I started my Virtual Assistant business Virtual Powerhouse. Since then I have been able to grow my business so that Craig was able to put his notice in at his job at UW Parkside and in July 2015 we became full time entrepreneurs. Craig has now joined the team and does website and SEO work and also some consulting for his old job at around 5 hours or so a week.

I know from our blog and social media posts it may not look like we are always out having fun – and a lot of the time we are. But there are also nights when the kids go to sleep that Craig and I stay up until 2am working. Or when internet is bad – like when we were in Yellowstone I was up until 5am because that was when the internet worked.

We have started a plan of me working all day on Mondays – trying to get in a good 12 hours if possible and then Craig doing the same thing on Tuesday. Then throughout the week we fill in time where it is needed. Our goal is for both of us to work 20 hours a week. At this point we are pretty close to that!

Through the business we are able to bring in around $4000 – $5000 a month pretty much split down the middle with me bringing in $2000 – $2500 and Craig doing the same. If we wanted more we would just have to work more – but we don’t want to!!

We also bring in a couple hundred dollars a month with our blog and are looking to increase that and also start a course to help teach others how to start their own business. If you like the idea of being able to travel full time with your family or are looking for a way to make money working from home please sign up for the course newsletter:

My goal is to write more content about this side of our life and sharing how we make it work as we complete the course. The course launch is tentatively planned for March 1st, 2017. Here is a quick overview of what will be included in the course:

modules

You can learn more about the course and sign up for the email list here: How To Start A Virtual Business So You Can Travel Full Time

Taxes – aren’t much since we have 4 kids and don’t make that much!

Anyone who is an entrepreneur knows this lifestyle is filled with ups and downs and lots of uncertainty. I would be lying if I didn’t say it has been hard and continues to be hard. I am constantly having to push myself out of my comfort zone and have had to adjust from the role of Stay at Home Mom to the role of business owner and partly responsible for our income to live!

Blog

Our travel blog. Like I mentioned we want to be making more money with our blog, but at this point we are focusing on growing it and looking for those opportunities as they arise. In the mean time what the blog does is give us is a lot of really cool opportunities to do experiences in exchange for us posting on social media and doing blog posts and videos about them.

This has been huge in allowing us to do everything we do and still have enough money to live each month. I will not say we get these opportunities for free, because we don’t. Running a blog is a lot of work. Before starting this I never realized the amount of time and effort that goes into taking pictures, taking video, writing content, completing a blog post and posting on social media. But we also love being able to share everything we do with hopes of encouraging others to get out and travel more with their families!

There are also other activities where we get a discount, but we still have to pay. Or some we choose to pay for because we weren’t able to set up another option with the location or we just want a break from the pressure of having to document it all!

If you are interested in starting your own blog check out our post on How To Start A Blog.

Savings

Before we hit the road we had about $25,000 in our savings account. Going through all of this transition has seen that number fluctuate up and down. Ideally we would like to stay above $20,000 but have gotten down as low as $15,000.

In summary:

  1. We lowered our burn rate and rarely go to Target or spend “extra” money. Our kids aren’t in activities, I don’t get my nails done or belong to a gym, Craig doesn’t golf regularly, we have limited clothes and shoes and we rarely go out to eat (and when we do Craig and I and the kids split meals). Each and every day we are trying to figure out how we can cut back even more.
  2. We work and work hard for what we are earning and are constantly pushing our comfort zone and looking for other opportunities.
  3. Our blog helps to allow us to do a lot of really cool activities. Which is awesome since then we can share with our followers the activities we truly think are the best and are the ones we would have paid for.
  4. We have to be able to live with the uncertainty of how much money we will need that month and where all of it will come from. Anyone who is an entrepreneur understands that. And we are quickly learning that is a whole different lifestyle and way of thinking!
  5. Our goal is to keep growing my Virtual Powerhouse business and to keep growing our blog all while maintaining the 20 hour a week work week for both of us. Ideally we would love that to be even lower!
Total expenses: Approximately $4,200 a month
Total income: Between $4,000 – $5,000 a month

Post on what we spent in a month: Full Time Family Travel Budget October 2016

Ideally we would like to be down to less then $4,000 a month for total expenses but have been feeling more and more like realistically we could live on $5000 and still go out to eat and do more of the things we want to do.

I hope this helps explain how we are able to make full time family travel work for us. AGAIN there are multiple ways that this can work for families, but this is what we have made work for us. Fulltime Families is a great resource for looking at some budget charts of other families on the road to see how they make it work.

If you are interested in learning how to start your own online business be sure to check out our course page: How To Start A Virtual Business So You Can Travel Full Time

And if you are ready to start your own blog check out our post on How To Start Your Own Blog!

If you have any questions please leave them in the comments and we will do our best to answer them.

And if you want to stay informed on what we are doing in our Crazy Family Adventure please sign up for our newsletter:

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48 Comments

  1. Thanks so much for sharing this. I am heading on the road with my family of five in a couple months after we sell our house and I’m trying to get a good grasp on expenses. Thank you for being so candid!

    • You’re welcome! We felt this would be useful to families just starting out. I know the financials were very intimidating before we launched, but we made the leap and we’re loving it so far! 🙂

  2. Thank you for such an honest post in regards to money! I love seeing posts such as these because they are so helpful to those of us that dream of a similar lifestyle. So very very helpful!

  3. I’m sure so many people with be thankful for your transparency. Also, have you heard of Being Boss? It started as a podcast and they have a wonderful FB community for awesome creative entrepreneurs. I love the podcast and the group and thought you might like it while you grow your biz. I love lady bosses. Safe travels! 🙂

    • Hi! Yes I am part of Being Boss on Facebook I just haven’t been very active. I love doing podcasts! I am going to look more into it. Thanks! Did you happen to attend BSchool? That is where I heard of the Being Boss Facebook group.

  4. Your finances are very similar to ours (5 kids, no dogs) with a few differences: we are single-income and fully-freelance (so we have to figure out healthcare on our own). However we managed to pay cash for our Excursion and TT, so we don’t have any payments – although that pretty much wiped out our savings. 😛

    2 AM sounds about right for bedtime around here too!

    • That is awesome! They do sound very similar. I checked out your site – great job! If you are ever interested in collaborating on anything let me know! That 2am is a kicker. But seems to be the time where I can focus the best. Maybe since all the kids are sleeping and safe so I don’t feel as stressed about them or that I am missing out on anything fun :). . . Hopefully we meet up on the road someday!

  5. Thank you so much for the detailed info! We are planning our big departure from the rat-race this June, hoping to RV with our son, dog & cat in Europe for a year for starters. Planning this is so overwhelming and it is so good to know we are not alone and that it is doable!

    • Yes it is doable!! Europe sounds amazing!! We hope to do that in the future. It is overwhelming in the beginning but don’t let the overwhelm stop you – it is all part of your comfort zone stretching. You got this! It will be so worth it when you are on the road traveling!!

  6. Vlad & Michelle

    Thank You for sharing.
    We wanted to build businesses but realized that if there where opportunity to travel as a family. It would have to be an online business, At this point we are learning everything we can about marketing, like building a list, creating a sales letters, funnels, copy writing and blogging. Figured if we know how online marketing works will be able to travel too and financing will not be big deal. Our dream is to Travel around Europe for a while.
    How long have you been doing it?

    • Very cool Vlad. We realized the same thing and have been able to make it work so far from the road. We’ve been on the road for almost 2 years. We’re still learning how to do it right and affordably 🙂

  7. Vlad & Michelle

    BTW we are part of large community of Entrepreneurs that are building different online and offline businesses but this community is all about growing online income, you can use this education for your existing business and also they offer affiliate opportunities to earn great income while learning. If you would like more information on this please email us at: [email protected] or text; 816.612.5109
    Vlad and Michelle.

  8. Have you done any Periscope posts. This could be live from your destinations. Offers a real time view! Thanks for sharing everything!

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  10. Man…I switched off after all those expenses! After travel insurance we have no other standardised bills.. We don’t use mobile phones we use free wifi. We worked out that $2000 per month was enough for us to travel on in the cheaper parts of the world, without scrimping, for everything, total.. We spend more than that these days because we earn more through the websites so we’re going a bit “luxury”. It can be so much more affordable, but good luck to you and I’m glad you’re publicising it. This is very accessible.

    • Yeah, we’re still working on lowering and eliminating some of our expenses. Some are necessities, but some are extras. It’s a process.

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  15. Thank You for sharing. We are a Canadian family 2 adults, 4 year old daughter, two dogs and a bunny. We have been going back and fourth between RV living and tiny house living. I can’t wait to dive into your blog and see all the adventures you have been up to!

  16. You should totally write that book and more! For passive income, I haven’t yet but I am planning on it, and hoping it can lead to savings to take our family full time, always hoping the blog will take off or my Hubbs will find a telecommute job in IT. It is hard work, but it pays off, your blog is one of the few RV life style blogs I have read nearly every post, and can’t stop! I would recommend it to anyone!It is sort of my guidebook for traveling with kids for our future plans and you have visited the coolest places, unlike some other family blogs which are nothing but grey photos of the same patch of forest, yours is so vibrant!

    • Carissa,
      Thank you, we really appreciate your kind words and it definitely encourages us to keep writing and sharing our adventure! I hope you and your family are on the road soon and let us know if you have any questions.

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  18. Great post, thanks for it! We started traveling full time 3 months ago, husband is quitting his job in a month and we’ll have to work out how to make his income, which was the only one in our family of 6. I know we’ll manage, even though I know we’ll have a few rough months ahead.

    • If there’s a will, there’s a way. Best of luck to you guys and I applaud you for taking the leap! Enjoy your travels and stay in touch 🙂

  19. Jaimie Williams

    Your family is living the dream! I would love to make this happen for mine, just have no idea where to begin or how to get the hubs on board! Thanks for the info I’m going to give it some thought, and get him to read this!

    • Thanks! It has been a crazy ride but it has been worth it! The best advice we can give (after getting your husband on board :)) is to start taking the steps to make it a reality each and every day!

  20. Thank you for being honest about life on the road! My fiancé and I are contemplating this lifestyle next year. Much appreciated. Ps bachelor without commercials is so worth it !!

  21. My wife and I just watched the documentary on Netflix “The Minimalist” a few days ago and it inspired us to get rid of some of our furniture and simply our home. Your the first family I’ve read about that travels and lives from an RV together, you’d think only single people did that. Like the others said, really appreciate your transparency, which is giving me some more ideas on how to simply. Best to your family

    • We have really enjoyed living a more simplified life. And strive everyday on how to figure out how to simplify even more! Living full time in an RV with a family has its challenges but is also amazing! Good luck on your journey!

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  24. Rose Marshall

    Do you home school your kids? If so what is the course or online program?
    How much do you spend?

  25. Vegan mama, wannabe traveller & worldschool/unschooler (my son is just 2). I am so inspired & thrilled I found your blog. From your cooking tips (& hilarious grocery shop!) to your monthly budget, thank you for this. Just today I was thinking “your crazy for wanting to hit the road & expand your lives” & poof, here you are to confirm it can be done, joyfully & with humour & love. 😊

  26. This is incredible and I would love to do this. I wish we had the flexibility to do this but I would love to try it for a month in the summer. You must have the most amazing family experiences!

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  28. It’s nice to see larger families sharing this kind of detailed information and honesty. I have four kids myself, so it’s helpful for me to see how you manage expenses.

  29. Amazing article!! My family of 5, me and my wife, our three girls (6, 3, 7wks) and our Pug will be hitting the road in a few months. I just secured a remote job, which was our last obstacle to location independence, and now we are navigating the unknown waters of RV sales!

    I’m curious, what did your husband do in IT? I’m Network/Voice Engineer but I’m a little worried about how that will translate into this type of lifestyle.

    • Hi Chuck! I was a database administrator. The transition to fully remote was a challenge just because everyone else I worked with was still in the office, so everyone had to be a little flexible for it to work (i.e. bringing me in on conference calls, etc.). I didn’t need to be there for the work part as all of our servers weren’t in our building anyway, but the meeting/personal interaction was a challenge. You’ll figure it out! Best of luck on the launch!

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