We track and report every penny we spend living aboard and cruising on
Tickety Boo, our Moody 346 sailboat for a couple of reasons.
1 - It helps us see where our money is going, helps us make informed
choices about where to spend our money, which in turn helps us stretch
our money further so that we can keep adventuring longer.
2 - We found it really useful to check out other people's cost of
cruising when we were starting out, so we figure we can return favor by
sharing ours.
While we had hoped to be in the Bahamas this season on our boat, we're
currently at Indiantown Marina in south Florida on the hard in the
workyard due to a crack in our hull. We've sorted things out with insurance but we're still working through logistics of how and when to do the repair.
In the meantime, we've basically put
everything else on hold. There's no point in spending money on our boat until we're sure the crack can be repaired. So this cost report is going to be a bit dull
as there was very little spending on anything besides workyard fees and
food.
You can find links to other cost updates from ourselves (on Tickety Boo,
camping across the States, and our previous boat in New Zealand) and
others on
this page, as well as on
The Monkey's Fist.
Living Aboard Costs | May & June 2019
Overall, we spent
>>$3,677<< during May and June.
When you look at the nitty-gritty details of what we spent below, here are a few things to keep in mind:
1 - All costs are in US dollars.
2 - Not all expenses are included - here's what we've left out:
(a) We don't report how much we spend on alcohol. I remember reading
some horrible, judgy comments in a blog post a few years back about how
much someone spent on booze, so I left it out when we first started
tracking our cruising costs back in New Zealand. For consistency's sake,
I've continued to leave it out when tracking our cruising costs.
(b) We've also left out our costs for medical insurance. We didn't think
it made sense to include insurance costs as they can vary so widely
depending upon your nationality, where you cruise, what level of
coverage you want and can afford, whether you get subsidies etc. In case you are curious, while
we're back in the States, we do have a high deductible/high out-of-pocket expenses insurance through the health
insurance marketplace (aka the Affordable Care Act), primarily to protect our
assets and cover us in case of a catastrophic medical condition.
(c) I haven't included any expenses related to my writing projects (e.g., editor, book cover design, publishing expenses, author website).
3 - I've included any shipping and taxes we've paid in what we report - Florida has a 6% sales tax.
All right, now that we've got that out of the way, let's dive into the numbers.
GROCERIES | Total = $554
This category includes everything we put in our bodies in terms of food
and drink (excluding booze) that we prepare ourselves. It doesn't
include things like paper towels and ziploc bags, which I know some
people would classify as groceries. Sure, you could probably eat them,
but they wouldn't taste very good.
Although we don't budget (you can read more about that
here),
I'm happiest when we keep our monthly grocery spend per person under
$200. As you can see from the total above, we more than achieved that due in part to focusing on eating up all the provisions we had bought for the Bahamas, which we never ended up getting to this year due to the issues with our boat.
PERSONAL & HOUSEHOLD | Total = $26
This is the category where we include household things (like paper
towels and ziploc bags) and personal hygiene items (like soap and
shampoo). We also capture items for the "home" here - like bug spray.
ENTERTAINMENT | Total = $175
In terms of drinks and eating out, this includes everything we don't
prepare ourselves, even if we get something to go and eat it back on the
boat. We also track how much we spend on books, magazines, DVD rentals and going to the movies
in this category, as well as the occasional lottery ticket.
Our spend in this category was higher than I would have liked. We spent way too much on eating out or getting takeout food in May ($94), but managed to cut back a bit in June ($43). I also got a month of CBS All Access ($5.99) so that I could watch the latest season of Star Trek: Discovery. And, as always, I spent a chunk of change on books for my Kindle.
COMMUNICATIONS | Total = $110
Our cell phone is actually one of our biggest non-boat related expenses.
We have a monthly prepaid plan with AT&T which includes 8GB of
data and unlimited calls and texts.
BOAT FUEL | Total = Nil
Tickety Boo has been sitting in the workyard so we haven't needed to get any diesel or gas.
PROPANE | Total = $7
We have a propane/LPG cooker on our boat, which we need to replace as
the stove no longer works and replacement parts aren't available. While
we're at Indiantown Marina, we use an electric hotplate and a crockpot
for cooking, so we haven't had to spend any money on filling our propane
tanks. But we did get some small propane bottles for our Magma grill in June.
MARINA COSTS | Total = $1,810
The workyard isn't cheap - $30 a day which includes water an electric.
If you pay for a month in advance, you get a small discount.
BOAT STUFF | Total = $376
This category is for all the stuff we buy for the boat, as
well as
repair and maintenance costs. Since our boat is broken, we've put boat projects on hold for
now for the most part (there are always a few things you still have to take care of to keep your boat livable). Much of our spend over the past two months was for insurance.
TRANSPORT | Total = $80
This category is for costs related to our vehicle, mostly for gas to
drive into the nearby "big city" of Stuart for
errands. We typically fill up our vehicle once a month.
MEDICAL EXPENSES | Total = $208
This category includes medical expenses outside of our monthly insurance
premium (which aren't included here - see section on exclusions above),
like over the counter medications and prescriptions, as well as doctors visits.
OTHER | Total = $326
In this category, we break out how much we spend on clothes and travel
expenses. We also include a catch-all miscellaneous group for stuff that
doesn't fit neatly anywhere else - things like laundry, Amazon Prime,
presents, computer parts, postage etc.
Any money saving tips to share? What do you spend the most on each month? Are there any areas you're trying to cut back on?
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