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July 5, 2022,
Conversations about finances are rampant, no matter if you have money or not.
Especially if you fall in the “or not” category.
When you have money, so many of the conversations center around investing, planning for the future, saving for your child’s education, so they can go to a great university, should you pay off your home in the next five years or invest in a rental.
Positive questions, as you dine on delicious food and wine before you relax on the patio for dessert.
Then there are the other conversations if you don’t have money.
Especially this one.
How can you continue to pay the rent, especially if you live in California?
One of our associates, who we’ll call Helen, was having a conversation with her neighbor, Grace.
Grace is in her mid-60’s and her son, 32 years old, still lives with her. They get along well but his late night partying, away from home, worries her.
She gets stressed wondering if something happened to him when he doesn’t check in with her, so when he mentioned he was thinking about moving out and living with a 22 year old, at first she was taken back, but then, the more she thought about it, the more she was open to him giving it a go.
Helen’s thought? Why? Especially if you are living rent free. I mean, he’s 32, not 18.
Helen remembers her own nightmare when she was renting.
In 2014, she was paying $1,100 a month for a two bedroom in Northern California. Tiring of throwing $1,100 a month away, she busted open her retirement accounts to buy a small property for cash.
She succeeded.
That was before the current housing boom where prices have soared through the roof.
The same apartment she rented then, now rents for $2,000 a month in 2022.
If there is anything that will quickly deplete your savings, it is paying high rent.
For some time, due to the Covid crisis, renters had some government protections from being evicted. In California, that has now changed.
As reported by abc30.com, “Rent relief eviction protections in California are set to expire.
But, more than 85,000 renters are still waiting for their rental assistance applications to be reviewed. Several speakers said they are still waiting on rent relief from California’s Emergency Rental Assistance Program and now face eviction.”
Helen can see the wave of evictions and possible homelessness growing.
In her case, what was she going to do once her savings ran out and she had no lump sum to purchase a property for cash?
Could she have ended up homeless?
Is there a moral to Helen’s story?
Yes, save your money and try and find a way to have your living space outflow fixed.
Easier said than done, unless, temporarily, you get your living expenses down to nothing.
Currently, we know there is a living off the grid movement in the United States.
Some live in their car. The idea sounds horrible. And homeless.
What about a van? Not as bad, but not a great idea either. At least not to us.
An RV sounds bulky and expensive. Lots of repairs.
The balance to us is living in a camper. At least you are protected inside and have methods of protecting yourself. You can drive around and visit the oceans, mountains and forests.
Again, we see this as a temporary fix to save money with the idea that you are still employed, possibly working from home, due to Covid.
We are not experts but again, the car is too small and dangerous. You might as well be homeless. The mini-van is better than a car, but not much. The RV is just too expensive in terms of upkeep. We know. Growing up, we had one.
The camper van seems like a good balance. Camper and truck is not bad either.
If you are thinking about this lifestyle, especially if your employer allows you to work from home, it might be worth looking into.
Let’s bicycle over to the bookstore.
How to Live In a Car, Van, or RV: And Get Out of Debt, Travel, and Find True Freedom Paperback – January 16, 2014
By Bob Wells (Author)
“Are you sick of the rat race, working at a job you hate and still just barely surviving? Are you ready to do it for the rest of your life? Or have you been laid-off or “downsized” and can’t afford to live anymore. If so this book is for you. In it I give detailed directions how to get rid of your rent or mortgage payment and live in a vehicle. That way you can get out of debt, save money, travel and live free. You can live on so little money you can tell your boss to, “Take this job and shove it!” Sound good? Let’s get started!”
This book is a good starting place.
Based upon what we’ve seen on YouTube, you are not going to live rent free but the idea is to get your costs down and save money. On the weekend you can take off but during the week, you might live near your work.
Everyone’s situation is different, but it would be for you to decide.
A visiting writer may be able to help you in your decision making.
We see it as a temporary fix, especially if you are employed.
Eventually, you might see it as a permanent one.
Check out this YouTube video for inspiration. https://www.youtube.com/watch?v=w_aVEonbNa4
“Her Bohemian Camper Van Tiny House – Solo Female Van Life On The Road”
Now to the writer.
How Camper Vans Surpass RVs
If you enjoy some of the comforts of home while exploring the great outdoors, camper vans offer an economical and dependable way to be comfortable and reach your destination with ease.
Whether new or used, Class B camper vans are self-contained and offer all of the comforts of an RV without the hassles. Easier storage and drivability are two advantages of a camper van over an RV.
Cost is another advantage-not only do you save on fuel costs, you save on storage fees since Class B vehicles can be easily parked at your home, apartment or office. You can further cut costs by purchasing a used camper van.
Many people don’t know the difference between a Conversion Van, Camper Van, or Motorhome. Knowing the differences can help you make good decisions when buying a conversion van. The differences become important for practical reasons like:
- Does my neighborhood association or city allow me to park my van at my home?
- Do I need a special driver’s license?
Camper Vans are not truly motorhomes in the traditional sense, but they can offer many of the features of a motorhome. Confused? We can look at a few specifics to clear up the differences!
Keep in mind there is no de facto industry definition-just guidelines. Let’s start with a basic Wikipedia definition of the terms Class A and Class B vehicles.
Class A
Constructed on a commercial truck chassis, a specially designed motor vehicle chassis, or a commercial bus chassis, a Class A motorhome resembles a bus in design and has a flat or vertical front end and large windows. Equipped with living space and amenities found in a home, they can be driven or pulled.
Class B Camper Van
Built using a conventional van chassis, using the original body or only small extensions to it, camper vans may be equipped either with a “pop-up” roof which is raised during camping or a fixed roof, either shared with the commercial van that forms the basis of the vehicle (commonly a “high-top” model), or as part of a custom coach-built body. A camper van is a self-propelled vehicle that provides both transport and sleeping accommodation. Also, in order to qualify as a Class B Motorhome the van must have built-in sleeping, eating, and bathroom facilities (including properly mounting fresh and grey water holding tanks).
Now that we have a basic visual difference (size and driven/pulled), let’s look at other varying factors between class A motorhomes and class B vans.
Features
Class A motorhomes (RVs) contain pretty much whatever features the owner desires. The interior design is limited only by your imagination-and your wallet. On the other hand, camper vans are smaller and, therefore, somewhat limited but not nearly as much as you might think.
For example, Class B vehicles usually have a small kitchen with a refrigerator (which is often operable by a choice of gas, battery, or electricity) and a two-burner gas stove and grill. They generally have dual-voltage lighting which can work from either a dedicated battery or from AC power, supplied at a campsite via a hook-up cable.
Many people who are interested in buying a Class B are surprised to find out they include a water heater, space heating and air conditioning, a toilet and even an internal shower.
Some camper vans are almost indistinguishable from a conversion van, yet contain the full complement of RV luxuries: stove, fridge, microwave, hot/cold water, shower, TV, gas heat, AC.
Driving a Camper Van versus an RV
Ease of driving is one of the principal reasons people prefer purchasing a Class B van over a Class A RV. Even the smaller RVs are larger than camper vans and, thus, easier to drive. For example, maneuvering a van is much less difficult than a bus, which for most people would require a good amount of practice-and a really large empty parking lot.
Turning a vehicle the size of a bus requires a completely different set of principles than vans!
Another driving force (pardon the pun) for purchasing a Class B van is driving it without worrying about the hassles associated with obtaining a special driving license like a CDL. Even though most RV’s can be driven with a regular driver’s license, some states require a special license for large RV’s.
These great vans are well-known for getting superior mileage, which is a concern for most people considering the ever-increasing gas and diesel prices. Having to fill the tank less often makes a huge difference when taking those longer trips.
Parking & Maintenance Issues
Class B can typically be serviced in any auto shop-so you don’t have the expense or inconvenience of taking it to a specialized truck or RV shop. They also enable mechanically-savvy owners to work on the vehicle without the need of a paid professional.
You can park your camper van anywhere you can park your car. Home associations and city ordinances that prevent owners from parking RVs in the street have no restrictions against camper vans because they are classified as a van and not an RV.
No storage fees are associated with owning a camper vans because there are no regulations preventing you from parking a camper van in your driveway or in front of your house.
The term motorhome is sometimes used interchangeably with camper vans, but the former can also be a much larger vehicle than a camper van and is intended to be more luxurious, whereas the latter is more concerned with ease of movement, driving convenience and low cost while also providing the conveniences and comfort of an RV.
Go where you want to go; stay where you want to stay-and leave the payment behind.
For more information on custom vans, please visit Classic Vans.
Article Source: https://EzineArticles.com/expert/Edward_Jules_Goodman/1416084
Article Source: http://EzineArticles.com/7803500
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