Caravaniers à temps plein, comment préparer sa (pré) retraite !

captureAujourd’hui, on parle budget.

Comme plusieurs caravaniers préparant leur pré-retraite ou leur retraite, vous flirtez peut-être avec l’idée de dire bye bye à votre maison et de devenir un full timer, c’est à dire de faire de votre véhicule récréatif votre résidence principale. Pour passer du rêve à la réalité, il faut franchir plusieurs étapes : on ne change pas drastiquement de mode de vie sans en étudier longuement les avantages et les inconvénients ! Si vous avez testé la vie en VR, considéré tous les aspects de la question, puis décidé de faire le grand saut, voici quelques conseils pratiques qui vous aideront à établir un budget juste assez serré pour pouvoir vivre votre nouvelle existence de nomade sans y ajouter de sources de stress inutiles. Sachez déjà que si vous êtes prévoyant, vivre dans une habitation sur roues ne vous coûtera pas plus cher que de le faire dans une résidence classique ; les dépenses seront seulement de nature différente.

  • Décidez du style de vie que vous souhaitez mener sur la route – êtes-vous de type frugal, modéré ou grand luxe – et établissez un budget de base en conséquence en y incluant toutes les dépenses que vous pouvez prévoir. Il est important d’être le plus précis possible, de n’omettre aucune catégorie et de vous engager dans ce travail à deux, si vous vous lancez dans ce nouveau mode de vie en couple. La tâche vous semble lourde ? Des sites web comme rv-dreams.com (en anglais) peuvent vous aider en vous proposant des exemples de budgets qui constituent un excellent point de départ. Le site met également à votre disposition des feuilles de calcul vous permettant de noter vos dépenses au quotidien une fois que vous aurez commencé votre vie de nomade. Rv-dreams.com est écrit pour des lecteurs américains, mais son contenu demeure pertinent pour des caravaniers canadiens en y faisant quelques adaptations. On se permet d’insister : n’oubliez pas d’inclure vos obligations financières actuelles (dettes à rembourser, pension à payer) à votre budget de caravanier à temps plein.
  • Qu’il soit tracté ou motorisé, un véhicule récréatif est une machine complexe dont le bon fonctionnement dépend de dizaines de pièces d’équipement différentes. Lorsque toutes les composantes sont en parfait état, tout va bien ! Quand une réparation est prévue dans un délai précis, budgéter en conséquence se fait aussi sans trop de difficulté. Par contre, si un problème mécanique ou électrique survient de façon inattendue, les vrais problèmes commencent… Comme c’est le cas pour une maison, le coût des réparations est souvent plus élevé qu’on ne l’aurait estimé, encore davantage si vous vous trouvez dans une région où il est difficile d’avoir accès aux pièces à remplacer et à des mécaniciens spécialisés pour faire le travail. Cela risque de faire augmenter la facture… et de vous obliger à demeurer dans le coin plus longtemps que vous ne l’auriez souhaité, si l’équipement défectueux empêche de reprendre la route en toute sécurité. Pour gérer cette situation irritante sans y perdre votre chemise, vous devez absolument laisser une place importante aux urgences mécaniques dans la catégorie « fonds de prévoyance » de votre budget de full timer
  • Pour toutes les fois où vous serez sur la route – et plusieurs caravaniers à temps plein sont de grands voyageurs qui carburent à la découverte – économiser devient un jeu d’enfant lorsque l’on a accès aux « super listes », un secret bien gardé par de nombreux full timer futés. Des sites web comme walmartlocator.com (en anglais) répertorient les états où le stationnement de nuit dans les Walmart est interdit. Partout ailleurs, il est possible de le faire et cela gratuitement. Pratique quand on souhaite seulement s’arrêter quelques heures avant d’arriver à un parc de VR Encore beaucoup plus confortable ! Pour les adeptes du papier, le site – qui n’est pas affilié à la chaîne Walmart – vend également ses répertoires sous forme de livres. Vous n’avez qu’à jeter un œil sous l’onglet Shop. Par ailleurs, des guides pratiques tel The Next Exit, toujours en anglais, font eux aussi des heureux chez les économes ! Celui-ci permet de savoir quels services sont offerts à chaque sortie d’autoroute, évitant ainsi de parcourir des kilomètres inutilement. Une bonne façon de bien gérer son temps… et son carburant !
  • Vous avez rempli toutes les feuilles de calcul avec rigueur et vous avez peur d’être serrés financièrement ? Il peut être intéressant d’envisager la possibilité de travailler à titre de contractuel, à temps partiel ou de façon temporaire lorsque vous serez sur la route. Plusieurs options sont possibles : en prêtant main forte au propriétaire d’un camping où vous comptez séjourner pendant plusieurs semaines, en travaillant de façon bénévole dans un parc d’état américain de façon à réduire vos frais de séjour, en tenant un blogue sur votre expérience, etc.
  • Vous adorez la vie en VR, mais pas nécessairement la route ? Plutôt que de louer, avez-vous songé à louer un emplacement à long terme sur un terrain de camping ? Il est possible de le faire dans le réseau Encore et plusieurs caravaniers sont emballés par cette option économique (plus on loue longtemps, plus on sauve de l’argent !). Comme les Québécois ne peuvent pas passer plus de la moitié de l’année aux États-Unis s’ils souhaitent continuer à profiter de l’assurance-maladie, une idée emballante pourrait être de louer un emplacement pendant 6 mois aux États-Unis et un autre au Québec le reste de l’année. Pour vous assurer de ne plus jamais connaître les rigueurs de l’hiver, c’est la solution parfaite !

Voilà ! À vos calculs, maintenant ! Bonne route !

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