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Old 11-12-2019, 09:16 AM   #1
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What are your biggest unexpected expenses?

My wife and I are researching what it would take for us to be able to go full-time. We've estimated monthly cost based on what I currently know. Things like campground fees, gas, food, etc..., but, I'm curious what types of unexpected expenses full-timers are running into?


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Old 11-12-2019, 09:20 AM   #2
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Windshield replacement

Answer also depends on what kind of RV, 5ver vs DP etc.


2004 Travel Supreme Select 45DSO4
Jarhead 67-71
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Old 11-12-2019, 09:31 AM   #3
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slide motor ac leaf spring another word unexpected repairs
2006 winnebago adventurer 38t 2018 carry-on hawkline enclosed 8.5x20 2007 mini cooper convertible
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Old 11-12-2019, 10:17 AM   #4
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We are also planning for a future of full-timing. Since we have several years before medicare, my biggest concern is what will happen to plan availability and pricing of national coverage medical insurance in the years before we turn 65. This could kill our budget.
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Old 11-12-2019, 10:28 AM   #5
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Eating out and admissions to museums, etc.
Replace the window shades with MCD when we decided we hated the day/night shades that came with the coach.
Handicap lift installed when knee surgery kept getting postponed.
The worst of all....Dusted engine at less than 30,000 miles.
2008 National Pacifica 40D DP, 4 slides, 1 1/2 baths; 2007 Honda Odyssey
FMCA #F415856 & Thousand Trails Elite
Right, left, straight, or stay....decision of the day
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Old 11-12-2019, 11:39 AM   #6
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New radiator for DP
Barbara & David O'Keeffe
Figment II (Alpine 2002 36 MDDS)
On The Road since 2006
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Old 11-12-2019, 11:57 AM   #7
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Picked up a nail on a sidewall (cannot be repaired) of our toad and ended up replacing all 4 tires a year before we planned.
2018 Tiffin Allegro RED 37PA
2016 Veloster Toad
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Old 11-12-2019, 12:11 PM   #8
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There are many full-time budgets to be found via Google. Here's one. Perhaps something pops out that you didn't think about. Your costs in one item might be lower or higher depending on your needs. We never really had a big unplanned expense. However, we always kept a 'reserve' fund.... just in case.

Full-timed for 16 Years . . .
Traveled 8 yr in a 2004 Newmar Dutch Star 40' Diesel
& 8 yr in a 33' Travel Supreme 5th wheel
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Old 11-12-2019, 12:17 PM   #9
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Broken valves on a Cummins ISX. Cost is over $53,000 in 4 years.
Taking rig in tomorrow to have the differential input seal replaced. Just over $1,050 estimate. $175/hr labor.
And I'm not full time yet.
2009 45' Magna 630 w/Cummins ISX 650 HP/1950 Lbs Ft
Charter Good Sam Lifetime Member, FMCA, SKP
RV'ing since 1957, NRA Benefactor Life, towing '14 Jeep JKU Dragon Edition
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Old 11-12-2019, 02:15 PM   #10
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Fake heart attack. Had chest pains due to a potassium deficiency after my colonoscopy, we assume. ER kept me overnight to do a nuclear stress test. That only cost $17,000! Insurance got much of it. Test showed I had a minor heart attack in the past. Funny since I never had symptoms.

Cardiologist didn't buy it. He sent me for a coronary angiogram, the non-invasive sort. Not only are my arteries completely free of plaque but that meant the $17,000 test at the ER was a false positive and for some reason they don't offer a money-back guarantee.

We'll be making payments on our portion of all those tests, the nucleotides ($6500 by themselves!!!) and the overnight stay in the hospital for the next five years.

At least I know my heart is in tip-top shape
2018 Newmar Bay Star 3113 - "Chewie"
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Old 11-12-2019, 02:22 PM   #11
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Based on the age and type of your rig I would say the biggest unexpected expenses would be for maintenance. You just never know when you’re going to lose a tire or when something else can happen.
Nick and Donna, Escapees RV Club Members, Livingston Texas
living full time in our Tiffin Phaeton 37BH
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Old 11-13-2019, 12:36 AM   #12
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This is a hard question for me to answer. I know things on the coach will break, so I have money set aside for that. While what breaks is unexpected, the costs are not (except I can't imagine a $50k plus breakdown....ouch). Food and dining out are the same costs no matter where I live. Same with medical. Fuel is our biggest expense because we are moving around too fast. I guess we didn't expect our rig to spend as much time in the shop as it has, but we're retired so time doesn't mean anything. With proper planning and setting money aside for contingency, then your better positioned to expect and respond to the unexpected.
Mike and Barb
2017 Insignia W
2014 Chevy Equinox
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Old 11-13-2019, 02:29 AM   #13
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Dont forget how fast and how much your vehicles and tt or fiver or coach will depreciate in the next 5 and then the next ten years.

5 years will come very fast .
In 10 years you will have very little value in anything.

If you dont expence that up front.

Your can be broke in ten years.

Then a few $5 or $10 or $50,000.
Repair bills along the way ????

In ten years you may want all new vehicles again. $$$$ a big OUCHHHH
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Old 11-13-2019, 09:21 AM   #14
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Well we must be doing something wrong because the coach is now 17 years old, the odometer is just over 150K, and we keep on going. Got a new car after 14 years, decided I really liked some of the newer technology that our old Subaru didn't have, but she was also still going after 15 years. We only have a couple of more years out on the road, then our age makes driving a big rig something we don't want to be doing. Depreciation is not something I ever worried about - but then I never expected the coach to be worth a dime when we finish.

Barbara & David O'Keeffe
Figment II (Alpine 2002 36 MDDS)
On The Road since 2006
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