Living Like A King On $11000/yr

from: http://money.usnews.com/money/blogs/alpha-consumer/2011/10/19/the-secret-to-l...

Our last story on frugal living, “The Secret to Living Well on $20,000 a Year,” stirred up some heated comments, many of which argued that $20,000 a year represents a king’s ransom.

“Someone should do an article on how to live on less than $10,000 per year. I am a single mother who is doing just that,” wrote Rici of Wyoming. An anonymous commenter from Texas wrote, “[I’m] not impressed. I live on $8,796 a year.” “I am retired and living on less than $1,000 a month [from] Social Security,” wrote Liz Ortiz of Colorado.

Glenn Morrissette, 42, wrote in to say that he lives on just $11,000 a year, and he does it by living full-time in an RV. As a result, he pays no rent, needs no car, and can live wherever he wants. Unlike Joseph Fonseca, the writer we profiled in our “Living Well on $20,000 a Year” article, Morrissette has health insurance.

A professional musician, he can work by computer from any location. He might not have a family support, as the teacher living on $40,000 a year does, but we thought Morrissette’s story was interesting enough to share.

We spoke with Morrissette, who is currently in New Jersey, about his lifestyle, which he also describes on his blog, To Simplify.

Excerpts:
Why did you decide to live in an RV?
I had an apartment in Burbank and was the typical Los Angeles apartment dweller. I started to feel a strong desire to simplify my life. I had a garage full of stuff I never used, my closets were full, and I started to see that it was costing me money to have an apartment big enough to hold all the stuff I never use.

My initial plan was to scale back and move into a smaller apartment. Before long, I realized I didn’t need too much to be happy. I could fit into a small space. That’s when the RV idea occurred to me. I was just sitting in traffic and an RV pulled up. I said, “I could probably fit in that thing.” The more I looked into it, the more I realized how practical it would be.

For what I was paying for rent in LA, I could own my “house” free and clear and not pay rent, and own my car as well.

How do you stay under $11,000 a year?
The two key things that make it possible are not having rent or a mortgage payment. I own my RV, so that was an initial expense [of about $14,000], but I have no house or car payment. Gas is controllable; I don’t drive if I don’t want to.
Most months, I spend less than $300 on gas. I estimate that I save about $1,000 a month compared to what I was spending in LA.

What do you eat?
I eat pretty well. I don’t skimp on food. I eat a lot of grass-fed meats, fruits, and vegetables … some people call it the caveman diet. I go to farms, farmers markets, and health food stores. I probably spend about $250 a month on food. I could spend a lot less if I didn’t care about eating well.

Do you have health insurance?
Yes. I’m self-employed so I purchase my own plan. I have a high-deductible plan and pay $80 per month. It would be even cheaper if I was 28. I don’t understand young people who say, “I can’t afford health insurance.” Last year, my appendix ruptured, and the insurance was a life-saver. I learned my lesson.

What about clothes?
I’m a pretty basic jeans and T-shirt kind of guy. I don’t have to go to the office, so I don’t need a wardrobe. I have nine to 10 shirts and a couple pairs of jeans. I do have a suit so I can get dolled up when I have to, but my normal wardrobe is pretty minimal. I do one load of laundry every week, and I don’t see the point of owning more clothes than I can do in one load of laundry.

Do you spend money on entertainment?
I don’t go out much at all. I prefer the food I make to what I get in restaurants. More often than not, I’m disappointed. I’m pretty health-conscious and I want my food to be real food, so I’m content eating what I make. The idea of spending $30 at a restaurant—that seems like four to five days' worth of food to me. Years ago, I ate out every single meal. I’m kicking myself now, if only I had invested that money instead. I’m not a big drinker, although I drink somewhat socially. I’m a pretty simple guy. Music is my life. Even if I’m not working, if I have a free day, I will spend a big chunk doing music. It’s a profession and a hobby.

Do you splurge on anything?
The food I eat. I don’t feel like I’m skimping at all. It’s a form of health insurance to me. And I just try to put myself in interesting places. I’m surprised how easy it is to do that. A lot of stuff is free out there. There’s a lot of beautiful scenery in this country and it doesn’t cost anything just to park. You can just drive into a national forest and live there for two weeks. I always try to give myself great real estate, whether it’s by an ocean, a lake, or in the center of a cool little town.

So I always have a great front yard, real estate that people would pay millions of dollars for, and it doesn’t cost me anything. I’m pretty frugal otherwise, and I don’t miss it. I used to be part of the whole consumerist cycle, buying stuff I didn’t need, and I don’t do that anymore. It’s liberating. I can maximize my savings.

That’s true freedom, to get to the point where I can say no to work anytime I want because I have a big enough nest egg. I’m not there yet, but that’s my goal.

Do you have a retirement account?
Yes, I’m an avid investor. I guard my nest egg like crowned jewels. But I don’t see myself ever retiring. I love what I do. I’d much rather do what I love and live small, and enjoy life.

Twitter: @alphaconsumer

Tips For Living On The Road

from: http://www.foxnews.com/travel/2011/10/09/5-road-tested-tips-from-rv-rookie/

A few things might wake you up in the middle of the night the first time you climb under the covers inside an RV.

Fearing that you forgot to engage the parking brake and are in danger of rolling down the hill to your death, for one. (You did, and you are.)
Thinking someone left the light on in the bathroom and wondering whether that will drain the RV's battery by morning. (They did, but it didn't.)
Hearing campers breaking the sacred "quiet after 9 p.m." rule and imagining they'll get busted. (They did.)

Wondering if the bacon and eggs you bought for tomorrow morning's breakfast are now, effectively, toast, because you'd been told that the fridge will mysteriously stop working if the RV is parked on even the slightest incline. (They are.)

Funny, I'd spent half my life dreaming about setting off in an RV for parts unknown and maintaining perfectly level appliances never once figured into the fantasy.

To me, RVing was simply the ultimate escape route. Maybe that's because my early family vacations revolved around campgrounds and car trips. Or maybe because buying an RV is the landlocked states' version of saving up for a sailboat.

It's a vacation home wherever you want it, whenever you want it. It's freedom and security in equal measure. It's Lewis and Clark with a V-8 engine.

Still, in the weeks leading to my maiden RV voyage, my anxiety was rising almost as fast as gasoline prices. The sheer size of the vehicle--and the fact that it would be filled with cutlery and combustible fuels--grew scarier by the minute.

To quell the panic, I studied online forums for RV enthusiasts, campground-review sites, and the orientation video on the RV-rental website (twice).

And I brought backup: Lindsay and Lola, a couple of friends I've known since college who have a generous way of seeing disasters as adventures. They tried to distract me by focusing on our packing priorities: hiking gear vs. lawn games, SPF 15 or 30. Not that it helped.

ROAD-TESTED TIP #1:
"Use an RV-specific route planner on a GPS. It'll factor in overhead clearance and other restrictions, such as which roads, bridges, and tunnels won't allow propane tanks through." --Richard Coon, President, Recreational Vehicle Industry Association

And yet, when we arrived at the Cruise America rental lot in Durham, N.C., I started to calm down, in part because a petite 20-something gal handed me the keys, and I figured that if she could pilot a big rig, then maybe I could, too.

We got a few simple pointers from the RV folks: Pull far into intersections before making a turn. Leave lots of room for braking. Always use a spotter when you back up. Drive-through restaurants are just not worth the risk.

We learned when to use battery power, propane, shoreline electricity, and our generator; how to restart a dead battery; the necessity of turning off the propane tank before refueling; how to heat water for showers and how to tell when the water supply is nearly depleted; and how to level out the rig with a pair of two-by-four boards if our campsite is on a slant.

And we learned the finer points of emptying the holding tanks--a polite way of saying draining the toilet--a task that quickly supplanted merging onto the highway as my most dreaded challenge.

"Once you get the hose screwed on--and make sure you screw it on really tight--then open the valves and walk away," said Tommy, our orientation instructor. "Or run. I've gotten wet feet more times than I like to recall."

The girls and I made a pact to use the campgrounds' rest areas whenever possible and added latex gloves to the top of our shopping list. Then we took a few trial spins around the parking lot, and with Lindsay in the navigator's seat and Lola on loose-objects duty in the back, we headed into the great wide open.

First came the rattle. With every bump in the road, each cup, dish, and saucepan in our kitchen cabinets shuddered like a beat-up shopping cart being pushed down a gravel road. (I learned later that putting paper towels between the plates helps immensely.)

Then came the thuds. Turn left, and one set of drawers would slide open with a thwak. Turn right, and another drawer would do the same. We were already learning that RV trips are all-hands-on-deck endeavors.

In addition to navigating, Lindsay was my second set of eyes for lane changes and would become my second-in-command for ticking off setup and breakdown duties.

Lola wrangled drawers and cabinets, stood lookout at the rear window for minor back-up missions, and became galley chef for the length of the trip. "This is like a ropes course," Lindsay said after our first refueling stop, with its propane-off, propane-on, secure-all-items drill. "Maybe we should do some trust falls at the beach."

Six hours, three pit stops, and one possible bird collision (none of us wanted to check the grille for confirmation) later, we arrived at Frisco Campground, one of four in the area run by the National Park Service. We had just enough time to practice back-in parking before nightfall. That's when I realized my first RV mistake:

Anywhere we wanted to go, we'd have to take the RV, repositioning it each time we returned. (The pros either bring bikes or tow a regular car--often referred to as a dinghy--behind the RV.)

So we strapped ourselves back in to fetch dinner in Hatteras Village, five miles away, and performed the parking routine again an hour later--this time in the dark, with the girls wielding flashlights like traffic batons.

ROAD-TESTED TIP #2:
"We try to bring or rent bicycles to visit nearby areas while camping. It beats packing up the RV to move it to a trailhead for hiking, only to find out there is no room to park a larger vehicle! Many times, you can access a 'bikes only' trail or (at the Grand Canyon, for example) trails for shuttle buses and bikes only." --Debby Schlesinger, BT reader, Grenada Hills, Calif.

To celebrate--not just the parking but surviving the first day--we split a bottle of convenience-store wine around the RV's dinette, the only spot where all three of us could sit facing each other. "I've had worse apartments than this," I said, looking around. "Definitely worse kitchens."

The furnishings were surprisingly modern--navy fabric upholstery and matching window coverings, new-looking appliances and cabinets. And even though I assumed we'd overpacked, there was plenty of unused storage space in the RV's dozen cabinets.

More impressive to me was the fact that I could walk around the whole cabin standing at full height, without crouching or hitting my head on anything. That was, until bedtime. I called the bunk over the cab--possibly an unconscious compulsion to stay near the driver's seat.

Maneuvering my limbs into the crawl-space-size cubby guaranteed a bumped elbow, knee, or forehead with every entrance and exit. The girls shared the double bed in back, since converting the dinette to a third bed would have required clearing the piles of maps, snack-food containers, and bug repellent cans that had already accumulated on the tabletop.

Calling out our good nights and cracking jokes in the dark, it was the closest thing to an adult sleepover I could imagine--more intimate than sharing a hotel room, and sillier, too. See more on glamping (it's short for glamorous camping)

Seeing the Frisco campground in daylight--just after sunrise, in fact, thanks to the chatter of the campground's early risers--provided a fresh perspective after that fitful first night's sleep.

Orchestrating our morning routines was easier than I'd thought. The toilet and the shower--one of those flimsy jobs with a handheld sprayer that tumbles readily from its mount--were bundled in one closet-size room, about four feet by four feet, tops. (Its door was inches away from where Lindsay and Lola slept, another reason to make sparing use of its facilities.)

Still, the teensy bathroom sink was just outside the shower/toilet stall; at the slightly larger kitchen sink a few feet away, two people could brush their teeth simultaneously. Lindsay was the first one out, conferring with the park ranger and plotting the day's activities (hit the beach, visit a lighthouse, find lunch).

The ocean's proximity redeemed the transportation issue. After all, who needs a car when you can walk to the beach? The geography of the Outer Banks--a 130-mile stretch of narrow barrier islands, less than a mile wide for much if its length--was the primary reason I'd chosen this spot for my trial run.

There are 20-plus campgrounds along the strip, none much more than a mile away from the Atlantic Ocean or Pamlico Sound. At Frisco, $20 a night buys you peace, quiet, and your own little slice of unlandscaped beachfront real estate. What that $20 doesn't buy you: heated campground showers or any way to charge a cell phone. Hence, one night would be our limit.

Read the rest of this story here: http://www.foxnews.com/travel/2011/10/09/5-road-tested-tips-from-rv-rookie/

How To Live Well With $11,000/ Year

from: http://money.usnews.com/money/blogs/alpha-consumer/2011/10/19/the-secret-to-l...

Our last story on frugal living, “The Secret to Living Well on $20,000 a Year,” stirred up some heated comments, many of which argued that $20,000 a year represents a king’s ransom. “Someone should do an article on how to live on less than $10,000 per year. I am a single mother who is doing just that,” wrote Rici of Wyoming.

An anonymous commenter from Texas wrote, “[I’m] not impressed. I live on $8,796 a year.” “I am retired and living on less than $1,000 a month [from] Social Security,” wrote Liz Ortiz of Colorado. Glenn Morrissette, 42, wrote in to say that he lives on just $11,000 a year, and he does it by living full-time in an RV.

As a result, he pays no rent, needs no car, and can live wherever he wants. Unlike Joseph Fonseca, the writer we profiled in our “Living Well on $20,000 a Year” article, Morrissette has health insurance. A professional musician, he can work by computer from any location.

He might not have a family support, as the teacher living on $40,000 a year does, but we thought Morrissette’s story was interesting enough to share. We spoke with Morrissette, who is currently in New Jersey, about his lifestyle, which he also describes on his blog,

To Simplify. Excerpts:
Why did you decide to live in an RV
I had an apartment in Burbank and was the typical Los Angeles apartment dweller. I started to feel a strong desire to simplify my life. I had a garage full of stuff I never used, my closets were full, and I started to see that it was costing me money to have an apartment big enough to hold all the stuff I never use.

My initial plan was to scale back and move into a smaller apartment. Before long, I realized I didn’t need too much to be happy. I could fit into a small space. That’s when the RV idea occurred to me. I was just sitting in traffic and an RV pulled up. I said, “I could probably fit in that thing.”

The more I looked into it, the more I realized how practical it would be. For what I was paying for rent in LA, I could own my “house” free and clear and not pay rent, and own my car as well. How do you stay under $11,000 a year?

The two key things that make it possible are not having rent or a mortgage payment. I own my RV, so that was an initial expense [of about $14,000], but I have no house or car payment. Gas is controllable; I don’t drive if I don’t want to. Most months, I spend less than $300 on gas. I estimate that I save about $1,000 a month compared to what I was spending in La. What do you eat?
Read therest of the story here: http://money.usnews.com/money/blogs/alpha-consumer/2011/10/19/the-secret-to-l...

Truck Tents: Avoid Sore Backs

from: http://www.prweb.com/releases/2011/10/prweb8851350.htm

The number one complaint among campers, is waking up stiff and sore from having slept on the cold, hard ground, or worse- a cold hard rock! Truck tents are a simple, cost-effective solution.

The Sportz Truck Tent 57890 is a popular model that sets up easily thanks to a color coded pole and sleeve system. Inside there is over five feet, five inches of headroom, two large mesh windows and ceiling vents, as well as a patented sewn in floor.

The various Sportz Truck Tent models fit such vehicles as GMC Sierra, Chevrolet Silverado, Dodge Ram, Ford F Series, Nissan Titan, and Toyota Tundra. Larger tents that work well with SUVs, mini vans, sports wagons, and hatchbacks are also available.

The roomy 10’x10’x7’ Sportz SUV Tent 84000 has plenty of room for mom, dad, and kids. For those campers who prefer to travel light or by motorcycle a Sportz PAC fits the bill. The Sportz X-Plorer PAC 95600 comes with a tent, rain fly, sleeping bag and stool.

All of the items pack up into one heavy duty bag that can be thrown on the back of a motorcycle. The Sportz X-Treme PAC 9400 similarly comes with one tent, rain fly, two stools, two sleeping bags, and one carrying bag.

Air mattresses, screen rooms, extra rain flies and straps, as well as heavy duty carrying bags can also be purchased through the site. “I have a passion for camping. It’s an economical way to get out into nature,” said Peterson.

“I’m looking forward to the potential this can have in terms of supplying people a means of enjoying the outdoors and supplying a good income for my family.” Tents4Trucks.com is a customer service focused company.

Each tent and accessory has been screened for quality, durability, and affordability, and is backed by a satisfaction guarantee. Orders are filled and shipped promptly so eager campers can use them on their next outing. Feedback is always welcome; in fact, Peterson prides himself on his ability to personally answer all customer queries in a timely manner.

For additional product information and reviews, visit the site’s brand new blog, http://www.CTRShippingBlog.com. Peterson frequently updates the interactive platform with camping tips and personal anecdotes.

About the Company: www.Tents4Trucks.com
– a division of Choose The Right Shopping Online, Inc. – is owned and operated by web entrepreneur John Peterson.