How do we afford this: FAQ’s about life on the road.

We’ve been at this for almost a year now – this life of being unhoused and on the move. What we have discovered is this: your former life tends to follow you around – you bring yourselves along for the ride. If you were a worrywart or a neat freak in Canada, chances are you will be that same person in Dubai or Duluth. Being a neat freak at home is easy – you hang up your clothes, wipe down your counters and organize your paper clips and elastics in one drawer. Being a neat freak on the road means you will be pointlessly rearranging your backpack and double-checking your reservations – you’ll need an outlet for those organizational skills.

Life on the road requires tons of organization. We are always looking ahead – to the next night, the next week, the next year. In less than a month we will be in India, but six months after that, we will begin a several-months North American odyssey – travelling as far north as the Arctic Circle and as far south as Baja. India is top of mind, but we’re also checking out the Dempster Highway. Right now we have family with us for the Christmas holidays, which involves daily planning. We look at all this as being a pretty great part-time job.

What we’ve discovered so far: we LOVE the open road. Road Trip – two of our favourite words, especially when they are used together. Who knows where the road will lead you – we never get tired of wondering what is just around the bend.

IMG_0114 (4).jpg
So, let’s cut to the chase – the most important factor in choosing to be unhoused is knowing you will be able to return to your former life one day without having left your savings on the road. We don’t mind being unhoused now, but we don’t want to be homeless in the future. A number of our friends have asked us how we afford this lifestyle, and we are happy to share.


1. We live on our combined pensions and have set a monthly budget which allows us to both spend and save. We are far from wealthy, but a combination of careful money management, modest lifestyle and good luck has worked in our favour. Stephen has a couple of pensions from work, and we both collect CPP (Canada Pension Plan) and OAS (Old Age Security). Stephen has an interest and ability in self-investing and our savings and our home equity are securely invested.

2. We don’t live anywhere, which means we don’t pay mortgage payments, property tax, home insurance, cable, internet, heat, hydro or other utilities. We don’t have maintenance costs or replacement costs. We don’t have to buy a snow shovel, or paper towels or potting soil.

3. We still have to eat. But…because we don’t have a kitchen (most of the time), we don’t have the expense of a fully stocked pantry and fridge, and we waste very little. We buy small quantities and when we eat out, it might be a $4 bowl of noodles on the street.

4. We have a car, but when we are travelling overseas, our car is on storage insurance, with zero operating expenses.

5. We don’t buy stuff. We don’t buy new towels, or cute little vases, or fresh flowers. We don’t have gym memberships, or magazine subscriptions. Our only clothing purchases are items that can withstand heat, cold, rolling up and getting wet.

How We Live When We’re Not Travelling

We live in British Columbia six months of the year, in a variety of ways. We house and pet sit, which works out really well. We get to stretch out in a normal home, see our friends, reciprocate with dinner and lunch visits, and hang out with someone else’s dogs and cats. Like grandparents, we enjoy the pets and then hand them back.
If we don’t have housesits lined up, we rent short-term though Airbnb. If we are on the move within Canada, we camp or stay with friends and family.  

Expenses on the road

When we’re travelling, our expenses are accommodation, transportation and food, all of which vary widely, depending upon where we are. In Mexico, SE Asia and India, we set a daily budget of $110, which averages out quite well.  We still treat ourselves. We stay in clean, comfortable hotels like this one, that cost about $50.

IMG_0509 (1)

We eat, drink, stop for coffee, buy snacks off the street, pay admissions to museums, art galleries, plays, movies, concerts and special exhibits. Even a family-style restaurant in Vietnam feels exciting to us – every day brings a new adventure.


Maintaining our health on the road

First and foremost, we never travel without health insurance. We take out insurance with  a fairly high deductible to keep costs lower, and with the intention to cover catastrophic events, such as serious illness or accidents. Our illnesses so far have been the unpleasant, but fleeting GI variety, and in most countries we’ve visited, we opt for “pay as you go” – doctor’s visits and medicines are so affordable.

In developing countries, we drink only bottled water and we drink two to three litres of water daily to avoid dehydration. We brush our teeth with the tap water –  the theory being that by introducing trace amounts of local bacteria, our guts may be less likely to react negatively to our street food forays. Speaking of street food – we have never had a problem. The trick is to go where the crowds are eating and choose something that is fully cooked. We’re a little more careful with salads and cut fruit – we only purchase fruit that still has its peel.

IMG_0105 (6)

As for ongoing health maintenance, while we are back in B.C., we visit our doctor and have annual checkups. We go to our dentist and have our glasses updated. Blood tests, mammograms, suspicious moles, updated shots – we do this all while we’re “back home.”

Sanitation – Since many bathroom facilities are less than pristine, or involve aiming at a hole in the ground,  we never travel without toilet paper and wet wipes. As a friend in Mexico once said, “the day I can’t squat is the day I can’t travel.” If this all sounds too off-putting – look at it this way: forget you are in a festering hole with flies and germs and smells. Pretend you are wilderness camping…with fresh mountain air and a lake nearby. Same act – different surroundings. I’ve become quite OCD about hand-washing and try to curb my unconscious habit of touching my face. So far, so good.

Exercise – we’re still wrestling with this one. Sure, we walk for miles and we swim and in many cases, we climb three flights of stairs carrying our luggage, but none of that produces the same effect as having a regular exercise routine.  We carried a couple of resistance bands in our bags last year, and used them not even once. Maybe this is the year I will follow my zumba routine in my hotel room. Stephen, who is known for swimming when the ice first leaves the bay, will always be found leaping into bodies of water.

IMG_0015 (7)

Personal grooming – Although most products are widely available in most places, I try to bring enough of my favourite moisturizer and lipstick to see me through. Everything else can be substituted. Getting a haircut can be interesting – I have emerged from a top salon looking like an old lady and from a hip barbershop feeling pretty pleased with myself. Not being able to go to my regular hairdresser is one drawback – it is almost impossible to maintain the same haircut. On the other hand – getting a mani-pedi in Vietnam costs about $10-$15.

Buying things while travelling –  Since we have no home and we are travelling with only what we can carry, shopping has become a true spectator sport.  The world is full of beautiful things and they can be mighty hard to resist. How do we walk by markets filled with handwoven scarves, intricate carvings, rustic pottery? Even the idea of bringing back gifts is impractical – we simply don’t have enough room in our bags. So…for now, we admire, enjoy and know that one day we will be bringing back mementos.

Clothing and footwear – So sad – my days of owning really beautiful shoes are over, at least for now.  I look for good tread, wide toe box and waterproof materials. I schlep past local women in their heels and feel distinctly dowdy, but it can’t be helped. Our clothes must be easy care, able to sustain the rigours of a local laundromat, and not require an iron or even a hanger. “Does it wick?” are three little words that until recently, were not a factor in my clothing decisions.
Also, I’m tired of my clothes. Really bored with them. I look forward to buying some bright colours in India.

Hobbies – when you give up your home, you give up your hobbies, unless they are small and portable. While we are on the road, I will not be planting, weeding or tending to a garden or cooking at more than a basic level. I won’t be picking blackberries and making jam. I won’t be sewing or knitting. I won’t be refinishing furniture, or haunting garage sales and thrift shops. I won’t be attending classes, or learning a new skill.

What I can enjoy is reading, writing and photography. I can visit some of the most important museums in the world and learn things I would never otherwise know. I can practice Spanish. I can talk to someone who lives in a different culture and really see our differences and similarities.
We exchange one set of interests for another. As the Vietnamese are fond of saying, “same-same, but different.”

Friends and family – and therein lies the rub. We cannot bring our circle of loved ones with us, and the longer we are away, the less connected we are to everyone. Oh yes, everyone is happy to see us, but their lives no longer include us. We don’t know the minutiae of our friends’ lives, and the small moments that create and sustain the intimacy of close friendships. Of course, we meet people on the road, and make new friends along the way, but even with Facebook and emails and phone calls and this blog, we no longer have the same community. That is the biggest price we pay for our way of life, and we can only hope that we are able to keep picking up the threads.

Stephen and me – do you like and love anyone well enough to be with them 24/7? As it has turned out, yes, we do. We have had our moments, of course, but probably less than if we lived in one place and had a stable life. We may be together all the time, but we are also being bombarded with experiences and stimulation and challenges that keep us engaged and on our toes.  We laugh until we cry almost every day – either a sign that road fatigue has kicked in, or that we have the same sick sense of humour.

Future plans – We will be in India until mid-April, and then back in Ontario, and British Columbia to see family and friends. Beginning next July, we will be travelling by truck and trailer all the way up north, possibly as far as Tuktoyaktuk on the new road. Back down the Pacific Northwest all the way south to Baja for a couple of months next winter. Up along the Gulf states and the Eastern seaboard – back to Ontario. Back into the U.S. again – to Colorado, Arizona, New Mexico and Utah.  Up into British Columbia again and then …plans TBA.

So many places to see – Peru, Ecuador, Guatemala, Argentina, Tanzania, Sri Lanka, Portugal, Malta, Morocco, Greece, and our always favourite Italy. We look forward to picking a place and staying put – living in a small village for a couple of months. We’ve never been to the U.K, never raised a pint in Ireland.

We look forward to more situations like this one – sharing the path with animals who may or may not be friendly.

IMG_9968 (1)

We had set our sights on living without a home for five years.  When we talk about possibly settling somewhere and still travelling extensively, we both react the same way. “Not yet, not ready for that yet.” This life is still suiting us very well.

If you have any other questions,  please feel very free to ask. We highly recommend this way of life, but we know it is not for everyone. If you are intrigued, let us know. We’ll hold your hand and talk you through it.

We’ll be in India on January 2 – see you again soon after that.






42 thoughts on “How do we afford this: FAQ’s about life on the road.

  1. Thank you for this beautiful post and for sharing your adventure! I am in the midst of planning for my move to my tiny home on Gabriola in June and I have much to learn about letting go of things. Happy holidays!!!! Love, Chelsea


    1. Chelsea – I am so interested in hearing about your plans once you leave Cambodia. Are you on your way to Gabriola for Christmas? Don’t worry about letting go – as you well know – Gabe has the best garage sales, and more than a few artists. :>)
      Happy holidays to you – hope to see you this summer.


  2. Great blog ! That just about sums it up hey guys !
    good for you ! We will sure miss you but it’s amazing how fast the time goes by .
    Keep us posted for sure !
    Safe travels and remember” DONT TALK TO STRANGERS “haha


  3. well this was a very very interesting read … We still could not fathom travelling for extended periods like you 2 but
    think it is wonderful that you both share this same sense of adventure for travel…
    safe journey to India and perhaps we will see you in the spring. 😊bonn and gord


  4. Merry Christmas!!! Happy, Healthy New Year!!!! Loved your blog. I’m looking forward to reading all about India and seeing you in a sari. Happy Trails, Claire

    Sent from my iPad



  5. Sounds like the good life to me! When can I retire?! Lol. Great blog Ginny. Merry Christmas to you and Steve. Big hugs and happy travels in 2018. Cheers! xo


    1. Thanks so much Sue. If I say you can retire now, would that be helpful? :>) You have your own thrilling adventure coming up soon – just a hint of what might lay (lie? lay? I never know) ahead.

      Merry Christmas to you, Kev and all the kids! xo


  6. LLove your blogs. I think we left this idea too late in life but I can live vicariously through you two. Lol. We leave Jan 9 for HK, baby arrives Jan 18. Have a trip planned for a week in Both HoChi Minh and Hoi An, both of which you are very familiar with. I will check your blog again for ideas and to make sure I don’t miss the best spots. India sounds fabulous. I’ll be waiting for updates. You are both so brave!!


    1. Joan, with all the flitting around you and Terry do, your lives are pretty close to being “on the road.” What great excitement lies ahead with family reunion and new grandchild, followed by a trip to Vietnam. Wishing you nothing but grand times ahead for the New Year.


  7. Hello Ginny and Steven, my God I just read about our life! So many of our friends have asked us the very same questions and your blog has answered every one of them. Gar’s surgery went well two and half weeks ago. Doing physio exercises religiously so think the rehab will be fine. We have quit feeling sorry for ourselves being stuck at home first winter in ten years and are enjoying nearby friends and family. Also feeling very fortunate to finally have this surgery over with and be able to travel comfortably again.
    We are back in NW as of Friday night and will have Christmas celebrations with the boys and our grandkids. They snuck into the condo and decorated it for us with all their homeade snowflakes and stockings. Such a nice Christmassy welcome home! So you two have a wonderful Christmas with your family!! Best of luck, life and love in 2018! And may your adventure to India be all you have imagined! Can hardly wait for your blog to start! Big hugs.xoxo


    1. Linda – you and Gary have been on our minds – wondering how the surgery went, and when you both might be up and running again. And yes, with the surgery behind you, Gary on the mend and a life filled with love, family and friends, it is easy to feel very fortunate.

      Sorry we missed you this time around, but we will surely be able to see you next spring or summer. Best of everything to you in the New Year. xo


  8. Ginny: you are just the cat’s meow! I love your posts and will continue to travel the world through your eyes. It’ a good way to go. Take good care my friend. Marry merry Christmas


  9. Dear Ginny, thank you for this most interesting section of how you are making it all work.

    I am already looking forward to next year’s adventures, Your’s that is… but ours as well.



  10. Ginny, this information has answered many questions that I run out of time to ask you when we get together. Thank you. Look forward to seeing you and your mom and dad this week. xox


  11. Hola amigos! Thanks for the inside story about your life on the road. Really helpful for anyone thinking of such an undertaking, and for the just curious types, too. I guess we’re in the latter category! Tom and I are in Puerto Escondido right now for a few days and then it’s back to Oaxaca, where we’ve been since the beginning of Nov. A return to Gabriola in mid-Jan. and in March we’ll go to Switzerland to see our girls.
    I’m looking forward to your dispatches from India – thanks for making vicarous travel feel so immediate. We can almost smell and taste the places you visit.
    Que tengan buen viaje en India!


    1. Hi Shelley and Tom

      Oh this posting was for the tire-kickers – no need for anyone to sell their home. I’m very curious to know how your time in Oaxaca has been – I’ll send you an email.

      Love to follow your adventures as well.



  12. Greetings to you and Stephen from Gabriola. Thanks for sharing your insights and knowledge on the nomadic lifestyle! So looking forward to hearing about your adventures in India!
    Merry Christmas and Happy New Year xo


  13. So wonderful to hear from you once again! Just like so many others, we are looking forward to picking up with you and your adventures on the road in January. In the meantime, we wish you the merriest of Christmases back home and a healthy and happy New Year!


  14. Did you just sit down and interview yourselves, Ginny?! You answered every question I have! And made me snort with laughter, besides. Have a most wonderful Christmas and wishing you a new year full of good surprises only. love,
    Shelagh and Charlie


    1. We actually did interview ourselves – it’s funny you should say that! Even now I can think of several more categories and topics we forgot – things like craving certain food, what to do when you’re sick on the road, missing simple things like going to a library, cursing wonky wifi, how to really accept different cultures and practices. Life in Canada is a blessing, but this is not the only way to live.

      Wishing you and Charlie a really wonderful 2018 – this time I promise to catch up with you when we’re back in the spring. xoxo


  15. This is such a great post Ginny! Thank you. Gives me hope that perhaps I will be able to afford retirement! Maybe see you over the holidays. EJ


Leave a Reply

Fill in your details below or click an icon to log in: Logo

You are commenting using your account. Log Out /  Change )

Facebook photo

You are commenting using your Facebook account. Log Out /  Change )

Connecting to %s

This site uses Akismet to reduce spam. Learn how your comment data is processed.