Be wary of affiliate links...

This morning I noticed a certain blog/website had a post on outfitting your boat for fishing with various affiliate links to illustrate the products being talked about. Like this lure...

The price on the provided Amazon link is a whopping $44.99 which happens to be the most expensive Cedar plug I've ever come across. My go to place to buy lures of this sort is from Tailchaser who sell great lures at very fair prices. Their reasonable facsimiles of the above cedar plug looks like this...

Even better, rigged and ready to go they only cost $8.75 and I'm pretty sure you can do the math without much trouble. If you want an even better price they currently have a couple of rigged cedar plugs on sale for $3.95 which I'm pretty sure beats that $44.99 plug all to hell.

The thing is, while I have done some affiliate sales links and still do a few (Russel Brown's great books, for instance), I feel that doing affiliate sales imparts a certain responsibility to connect one's readers with good fairly-priced products. The lure in question is in no way fairly priced with that sort of insane price tag.

For the record, I do not have any sort of deal with Tailchaser and I only promote them from time to time because they have excellent lures, great service, and their prices are as good as I've been able to find anywhere.

That said, a lot of fishing gear is way overpriced which is one of the reasons I've been putting together a basic fishing kit for cruisers that includes a handline, snubber, bird, flasher, and three of the most successful, sailing speed cruising lures for around $75.00. Which is a roundabout way of saying I've done my homework on what cruising fishing gear should cost just like anyone on a budget should do for any bit of boat gear that's needful.

a must read...

Some very needful reading over at Wooden Boat.

You're still here?

and don't forget the bolt cutters...

I find it kind of funny that people who I don't even know, write to the blog and are hesitant to state a budget when asking advice on various boats.

"Do you think a fixer upper Cascade 36 would be a good boat to get?"

I then ask what it costs, how much the boat is selling for, and what sort of budget they have to work with. In this case, I get a response that tells me the boat is selling for $5K and the engine does not work. As far as their budget is concerned, I get...

"Money's not an issue."

At this point I lose interest because money is always an issue and, if you're reading a blog dedicated to helping penurious folk go cruising, I expect you know very well that money is a rather important issue.

Refitting a classic plastic and cruising it is a deadly serious exercise in creative frugality. You really have to be honest with yourself (and me if you're asking for advice) about what sort of tools you have in your tool box. And yes, dear reader, money or lack thereof is most certainly an important tool in the grand scheme of things.

For instance, in the buying and selling of boats one does themselves a huge disservice if you feel you have to pretend you have more money than you do. Just think about that for a moment. Now, what sort of deal am I going to give you on a beat up CAL 34 if you spend half your time telling me how much money you're going to spend on it? A guy tells me he'll replace all the instruments and take it to the yard to get an Imron paint job done. This tells me two things: 1) the guy has a lot of money to spend or he's just dumb as a bag of hammers; or 2) the best of all worlds for a seller of boats, which is the potential buyer is both well heeled and stupid.

Face it, the last person you want to impress with your excellent stock portfolio or Rolex is the guy selling you a boat.

The same goes for cruising. Everyone cruising has a pain threshold where spending is concerned.

EVERYONE.

Working in the marine trades in the Caribbean, you quickly learn that a lot of folks with all the best stuff and the appearance of a comfortable monetary situation are much more likely to have their credit cards declined or do a runner before paying their bills.  Like I said, everyone tends to spend more than they can afford and that's something you really need to know.

Going out to dinner with a bunch of cruisers can burn up an entire months' volkscruiserish budget if you all wind up in some touristy eatery where the burgers are twenty bucks and a beer is going for $5 a bottle. Even worse is when the guy and his wife who had the lobster and the umbrella drinks decides that the group should just split the check instead of each paying their own part of it. Been there done that but could not afford the t-shirt after subsidizing some lobster and Mai Tais.

Which is all a long winded way of pointing out that the most important thing is knowing what you can and can't afford and having the fortitude to tell folks that this is what you can afford when needful.

As it happens, I saw something the other day on Werner Hertzog who has been a great influence on me in a surprising number of ways. His 24 bits of advice really resonates where the whole VolksCruiser thing is concerned.

Especially the bit about bolt cutters.

income streams and chicken shit in the cockpit...

I just saw that there was a boat currently selling eggs in St Thomas and thought it was kind of cool if only as a source of non refrigerated eggs. Combine that with the high cost of eggs from the local super market and it starts making real sense. Though, to be honest, I'm not sure having a half dozen or so chickens is doable on a 34-foot boat. 

Just another income stream to add to the list of possibilities.

One of the big issues with VolksCruising budgets is that the expenses of cruising are a lot like a death from a thousand cuts. A dollar here, twenty there, and and some pocket change adds up to a real budget killer by the end of the month.

Most of us think in terms of a single income source and too often that source is whatever you have in the bank. For most of us,that amounts to a rather too-finite number and it's amazing how quickly all those little expenses nibble away at it. We're all pretty good at budgeting the big numbers but in my experience it's the incidentals  that give me those WTF moments at the end of the month.

So yeah, selling eggs, busking, refrigeration work, rigging, or selling sailboat fishing kits all make sense as small income low profile side hustles. Which together might just be enough to keep you cruising.

I'm pretty sure I'll get someone writing me to mansplain that everybody knows sailboats and cruising is an expensive endeavor that small side hustles can't fund the operating costs of a a proper cruiser and its crew so if you don't have deep enough pockets you should just stay home. Sure, I'll grant that it's good advice for cruising and sailboats in the consumerist modus operandi but it's a tried and true method where VolksCruisers are concerned.

and in the "hardly surprising" department...

I'll be honest and admit that I really hate being surprised, especially where boats are concerned. Maybe it's that I grew up on horror films where surprises were always sort of horrific. On the other hand, it just might be most of my surprises have been of the negative sort so color me somewhat gun shy where surprises are concerned.

The funny thing is that, reading other boat folks blogs and suchlike i see that they also talk about surprises on boats and it's never ever a happy occurrence. More often than not it's a problem and unbidden problems are going to be expensive.

It's just the nature of boats and cruising.

For instance if I sail off to some place new and don't check about the rules, costs, and politics of visiting there I'll find that there is going to be a surprise of some sort just waiting to happen. Or, if I jump into a project without some due diligence beforehand there will be some consternation in the mix to bite me on the ass.

Lucky for us we have the internet which makes it pretty easy to do some homework to find out what to expect whether you're cruising or taking on a boat build or refit.

Nothing keeps surprises at bay as well as a bit of homework and due diligence.

Need to know what food costs in St Thomas, Hawaii, or Guam?  Go to Costuless online and see what your grocery bill should cost. Pretty much anywhere you go in the world will have chain stores with online shopping so you can get an idea of what you'd have to pay for groceries. More importantly, it gives you a base line so that you'll know when some stores are on the high side.

Same goes for projects. I always check to make sure that what I'll need is actually available to finish a project as having a half completed project can ruin your day/week/month/year. Nearly as important is knowing what things you need for the project should cost. I've noticed that a lot of boat blogs and YouTube channels tend to share affiliate links for gear and materials that are on the high end of what they should cost so before you start buying epoxy and suchlike from Amazon it might be a good idea to do some cost comparisons before you buy stuff.

Seriously when that $300 dinghy project winds up taking two years and costing you $1200 you really can't blame it on a surprise.  The same goes when arriving on some island with wall to wall Megayachts expecting to find stateside bargains as high prices tend to go with the neighborhood.   

Sadly, these days, common sense is often in short supply but it's a learnable tool that will go a long way to extend your budget as well as improving your quality of life.                                                                                                                                                                                                  

 

$0.29 a day...

What with the push for induction stoves for boats, the current news that gas stoves may be less than healthy, and the fact that I'd love to lessen the amount of fossil fuels aboard. So, hardly surprising I've found myself thinking about the various alternatives to propane lately.

The main issue with going electric is that , for someone who cooks a lot, the energy budget for induction is pretty hefty requiring a bigger battery bank and more solar panels than I have room for aboard "So It Goes". Sure I could add a genset but then I'd still be burning fossil fuels. By my calculations I'd really need to move up to a bigger boat if going with more solar. Something of a conundrum is it not?

Propane biggest selling point is that it's cheap. Our current cost per day for propane is $0.29 a day and we cook a lot. That's a whole lot less than alcohol, kerosene, or any sort of electric system that's available when all things are considered.

Granted propane gets a bad reputation regarding hassle factor and availability but sense we get between 75 to 90 days from a 20 pound tank (and we have two) so we can go close to six months with out having to refill. Off hand I can say that we've never been more that three months away from a place where we can top off our propane bottles.

I'm still open-minded but I'll have to see some serious improvements in electric before I jettison the propane in favor of some other source of cooking.

more on the budget front...

So, what’s your bottom line? A long, long time ago I think it was Lin Pardey who coined the $500-a-month-budget as a passing reference of the “Some people do it for as little as…" example.    Back in the late 60’s, $500 was a doable, if tight, budget for cruising but today, according to a handy inflation calculator, to have the purchasing power of $500 in 1969 dollars would be equivalent to $4,055 today.    

I’ll let that sink in for a moment…

I’m pretty sure if you’re reading VolksCruiser that it’s safe to assume that a $4,055 monthly budget is not what you signed up for. Which gives me a chance to show you one of my favorite movie clips.

Now, while I can think of any number of marinas I’d love to take a shotgun or M79 to, I’’ll admit that while it might be cathartic, it's a bit more anti-social and somewhat problematic to the cruising lifestyle. Hell, with my luck, I’d wind up with a roommate who’s a MAGA droid named Bubba.
 

What’s a poor boy or girl going to do?

Lucky for us there are any number of ways to get by with less money if you’re so inclined to cruise outside the consumerist bubble. For instance, simply quit getting stuff you don’t really need and and get off the recreational shopping bandwagon. Sure it requires a bit of mindset adjustment and the learning curve is a bit steep but it’s nothing you can’t do if you want to get going to some nice anchorage.

Speaking of anchorages have you heard the news about Bonaire?

Bonaire’s a great place. It has some of the best diving in the world, the powers that be are Eco-conscious and doing their bit to keep it nice, and it is a kiss off the beaten track so it’s more Caribbean like than you can find in the Caribbean proper. So, what’s not to like?

Since the locals care about their waters, it’s a moorings-only situation and as most all of Bonaire is a park you have to pay to be there. This year moorings have shot up in price to $35 a day (it used to be $10) and the park fee is $40 per person (good for a year). Which in real terms means if I want to stay there for ten days it’s going to cost a minimum of $430 for the two of us. Which is not bad when you consider it but it starts adding up really quickly and it’s not a place you’re going to hang out longer than needful. That said, it’s still a lot cheaper than staying in a marina anywhere that has a developed yachting scene which is frelling anywhere in the Caribbean these days.

So here’s the good news/bad news if you want to cruise on a budget these days. The good news being that it’s doable and the bad news is that, for the most part, you’ll want to minimize all the normal milk run destinations.

Lucky for us is that it’s a big frelling world and there are still a lot of great places to cruise where folks on boats are not looked at as floating ATMs.  You might want to add “Hors Piste” to your manta jar.

More needful stuff for getting control of your cruising budget on Friday…

                                                                                                                                                                                                                   

the truth about VolksCruising budgets...

Whether it's building a boat, refitting a fixer-upper, or actually cruising, the bottom line is always going to be what you can or can't afford. As much as we might prefer otherwise, the bottom line is always going to be with us.

Living in a consumerist society is problematic where budgets are concerned. After all, consumers are supposed to consume in some sort of consumerism prime directive so the answer to just about any question is to throw money at it and, boy howdy, anything to do with boats is an awesome opportunity to spend money.

Personally, I’ve never felt that money was a very good answer where most important things are concerned. Sure, it’s a pretty good social lubricant to get along in a society that values money and possessions over the individual. How is it that a good person is considered not as good as a bad person because of his bank balance?

So yeah, we’re talking about boats right?

There’s a Reuel Parker design I’d love to build and it’s one of my top designs in my "small boat to retire on" file. It looks like this…
 

 

Parker designed this scow sloop as a budget best-bang-for-the-buck design. The materials involved can all be bought at your local lumber yard and local purveyor of epoxy and glass with no exotic materials involved. All labor is doable by the builder with no need to resort to marine professionals. It’s a simple boat and the cost of building it reflects that.

As it happens, I came across a mention of said design on a forum where someone asked what the boat would cost to build. One response really opened my eyes…

“Conversationally, having a boat like that built is probably $300K-$400K, depending upon level of finish and type of fit out. So, again, from the hip, figure $150K or so to build it DIY. I grant that this is unscientific, but I believe that the above numbers represent a fair test of your wallet and resolve.”

Now, since it’s a boat I might actually build and I've have done a lot of homework amd know that the aforementioned budget of a $150K bears no relationship to the actual cost of building this boat. It is a great illustration of how not doing your homework and math, results in a situation where spending silly money becomes part of the matrix and ignores what should be reality.

It’s a boat so it has to be expensive!

Right?

The fact that just about everything related to sailboats and cruising is inflated to a point where it’s downright criminal is a given, but with a little thought and study you can avoid most of it.

Doing your homework is a major part of successfully getting a boat project in the water and sailing. Researching possible cruising routes and areas is the difference between being on a negative or sustainable budget. All you have to do is use your brain rather than your wallet or credit cards.

The funny thing is a lot of those folks cruising on expensive boats and throwing money around like drunken sailors are actually worse off than those cruising on slim budgets. Same goes for those building and refitting on sustainable budgets within their means as opposed to those with big expensive projects and need to get on Patreon so others can subsidize their projects.

Knowing what you can afford and managing your life in a way that makes sense where budgets are concerned is maybe the most important factor in successful boat projects and cruising. It’s not about what you spend but rather about spending smart.

More on the subject come Monday.




.

the best of times, the worst of times...

So it's 2023 and a new year. For some of us, it comes with some musing over the state of things.

As far as sailing and cruising goes, my musings seemed to be along the lines of that Dickens quote and I spent a couple of hours thinking about the good/bad reality after the ball dropped at midnight.

On the positive side...

• The cost of a good condition, under 36-foot, blue water capable boats have come down and are now very affordable.
• The cost of needful gear has become more affordable.
• Systems that were once considered too complicated or unaffordable for many are now within most cruiser's means.
• Needful information is readily available and no one has to reinvent the wheel. That said, finding good information should include a buyer beware warning.
  
• The current state of computer-based communication systems means you can almost always be connected to the world.

On the negative side...

• One of the main reasons boat prices have fallen is that we have a "Too many boats and not enough places to put them" situation so moorage and marinas have become unaffordable. A related issue is that this is causing a lot of anti-cruiser attitude on municipal and state levels.
  
• While needful gear may be cheaper, the marine industry exerts incredible pressure to get the newest, most expensive thing/flavor of the month.
• Sadly, the "You get what you pay for" mindset is counter productive to affordable cruising and really does not make any sense but considered gospel by far too many.
  
• YouTube influencers, while helpful from time to time, are mostly pimping on one level or another. Any information from most of these sources should be considered suspect and taken with a grain of salt.
• The current state of computer-based communication systems means you can almost always be connected to the world.

Actually, those lists could be a lot longer but I suspect you get the general drift. So, how do we deal with the best/worst conundrum?

For starters, VolksCruising only works if you're actually cruising. Your mantra should be "Keep on Trucking" as any nomadic society knows that being welcomed always comes with a time stamp and it's best to leave Dodge before the welcome expires. Which is a roundabout way of saying if you're going to cruise you best be on your way.

Since there are so many inexpensive sailboats in good shape, the desire to buy a fixer-upper should be suppressed. Why spend a year or three fixing a boat when you can just buy one and get gone? Sure, I know you want to tweak the boat to your needs but a major refit is seldom a good financial investment and, if you think it's required, you should be looking for another boat.

Same goes for the need some have of wanting to turn a sow's ear into a silk purse. For a special few it might work but in 99% of the cases I've seen, you just wind up with a very, very expensive sow's ear.

As far as stuff goes for cruising, less is more as the old adage says. I could go into deep detail but do I really have to? 

Overall the best/worst scenario comes out as pretty positive for someone wanting to cruise on a VolksCruiserish budget. Of course, you'll need to do some critical thinking, jump through a bunch of hoops, and make some of those negatives work for you rather than against but the overall math says it's going to be a good year to get going.

Here's hoping we all have a happy new year.

How low can you go?

Sure, I know that there's a helluva lot of peer pressure to adhere to consumerist dogma but, just for a moment think about what you can afford rather than what you think others will opine on what you need to spend to be accepted.

I see a lot of folks selling the idea that "price is no object" but buying boats that are a fraction of the cost and pretending they're following the party line.

Know something?

They get away with it because most everyone is doing the same thing and no one's going to bust them because most everyone is part of the con.

The sordid truth is that most boat folk, by their very nature, have their asses firmly planted in the cheap seats. The problem only arises when they're not honest about it.

Worse is when they use the cost of stuff as a means of letting you know how much every-damn-fucking-thing-on-their-boat cost in a misguided ruse to impress you. As someone who has sold a lot of marine gear to these wankers I'll let you know that, more often than not, they lie about what they paid for those winches or top-of-the-line electronics.

Maybe it's just me but there's something pretty off when it reaches that point.

Know what impresses me? When someone comes up with a way of doing things that involves common sense and thought to make the whole sailing off into the sunset more comfortable, affordable and sustainable. On the other hand some guy bragging that he spent lots of money to impress me or as a put down just hits the pity note.

The other day when I mentioned that I was building yet another Tortoise someone pointed out that He'd spent $12K on his dinghy but if I can only afford a two sheet dinghy maybe I shouldn't bother until I could afford something better.

Yeah, it sorta/kinda pissed me off. Still, the Tortoise makes more sense for me than a 12-foot RIB with a 25HP outboard and it would be real dumb in a world where gas costs $5.50 to have such a beast.

Over on Boat Bits today I mentioned a Newport 28MK2 that's selling for $2.5K and appears to be in pretty good shape. Researching the design a bit more the Newport appears to be one of those designs that seems to have a pretty good price and is firmly in the "good bang for the buck" price niche. Plus it would make a very good cruising boat. What's not to like?

The important thing to keep in mind is that hardly anyone cares what sort of boat you cruise in. No one who isn't an asshole is going to ask you what it costs and, as long as the boat is shipshape, you'll still be invited to potlucks and suchlike (if that's your thing).

So, how low can you go?

That first year...

One problem most all cruisers at any budget level find is that their first year of cruising costs a lot more than they expect to spend. Sadly, I speak from experience and in our first year of full time cruising; we spent money like the proverbial drunken sailors on steroids.

It doesn't make it any better that everyone goes through it.

So where did all the money go?

For starters, marinas took a serious toll. Now, as someone who really dislikes marinas, why was I staying in them? I blame my inability to trust my initial thought process when the decision to anchor or go into a marina conflicted with the cruising guides. Cruising guides are geared for folks who mostly do marinas and anchor when there’s no other option.

Leaving a marina in the morning after paying our bill when a dozen anchored sailboats fifty yards from the marina would put me in a seriously bad mood.

Where spending money was concerned that it seemed every new place had something to buy. I’ll admit that confronted with a good deal in a chandlery, I throw the budget to the wind.

Plus, not having done proper due diligence, we were clueless on what things would or should cost in the places I was visiting. Most of the currency seemed like Monopoly money. Translating Pesetas to Francs to dollars skewed the reality of what stuff really cost. We spent too much on some things while we missed great bargains.

Another source of bleeding money is eating out, drinking, and hanging out with other cruisers. None of which is a bad thing in moderation, but keeping up with the Joneses can be a big problem when you’re on a very different budget.

The main thing to keep in mind is that cruising long term is not a vacation. You can’t spend away, knowing with the option that you can pay off the incurred debt when you get back to the real world. It’s a long haul equation.

Still, I expect, you'll overspend your first year out as it seems to be an ingrained right of passage but don't say you have not been warned.

A simple budget...

Budgets are just a tool for organizing and taking control of your spending. A very simple budget that works is the 50/30/20 budget. So simplistic that, you might be inclined to go with something more complicated. That said, give it a try and you'll find it does the job just fine. It works like this. 

• 50% is for your basic expenses.
• 30% is for everything else.
  
• 20% goes into a project and emergency fund.

If we round off the monthly budget to the nearest round number that gives us a base of $1,500 a month. So 50% = $750, 30% = $450, and 20% = $300. Super simple and almost idiot proof.

The trick of course is just learning to live within your numbers. 

Just about everyone I know has fallen into the trap of throwing money at stuff while preparing to cruise and then continuing the process in their first year of cruising. 

Been there, done that, but couldn't afford the t-shirt because the money was all gone. Really, I should have been following a budget.

One way to make following a budget easier is that since you're on a boat you can adapt your cruising plans to areas where prices or services are more affordable. 

For instance, I really do need to haul out and put some new anti-fouling on the boat so I'm researching boatyards and haul out costs along the proposed route out of here. I've already got the paint (bought on sale at a very deep discount) and all the needful bits for the rest of the work that I might as well do once the boat is on the hard. That alone will, more than likely save me a month's budget.

While you'll have to do some research and chat up the coconut telegraph to sort out which places are affordable or not you might want to consider looking at less popular areas as a first step. The cost of things is directly related to the number of well heeled tourists, bareboat charterers, and upwardly mobile anchored condomarans. Not that some of those places are not great places to visit but you wouldn't want to provision or buy much while you're there.

Getting back to the budget thing I'll just add that cash is a wonderful thing. Sticking $500 in an envelope provides instant feedback every time you take out a couple of twenties. Nothing concentrates the mind on keeping to the budget as dwindling cash in an envelope. The envelope is also a great place to keep your receipts so at the end of the month accounting you'll have a concrete record of what you've spent.

The $1500 budget is just a number and has zip to do with your particular state of prosperity. It's at best just a way of sorting out what you can or cannot afford. Or, as Charles Dickens pointed out...

“Annual income twenty pounds, annual expenditure nineteen nineteen and six , result happiness. Annual income twenty pounds, annual expenditure twenty pounds ought and six, result misery”

 

 

The first important question...

So, here’s the big question…

What can you afford?

It doesn’t really matter what you think it costs, what other people are spending, or the relative price of tea in China. It’s all about what you can afford in the long run.

Let’s take a number out of a hat…

$18,310.

$18,310. is the current poverty line for a couple in the USA. Divide that number by twelve and you get $1,525.84. per month. A lot of folks I know would consider that a fairly comfortable full time cruising budget.

The question remains: can you live and cruise on $1,525.84 per month?

How would you budget that out? Would it affect your current lifestyle negatively? What would it have you giving up?

So many questions, so little time and dollars.

If $1,525.84. per month is too little for your needs. What amount would make a difference or what would you have to give up to make it work?

Pull some other numbers out of a hat and ask yourself the same questions. Do it until you think you have a number that makes sense for you. I know it’s hard, but try to keep the rose-colored glasses in their case and be relentlessly honest about it.

Trust me, it will pay off big time.

Next up, we’ll do an actual budget based on the $1,525.84. per month budget and whatever you might care to suggest in the comments.

 

Cruising budgets...

Now, a lot of folks will tell you it costs whatever you have, while others will say that it depends. The fact is that both answers really piss me off and it really bothers me to have to admit that they are correct in a kind of way.

A lot of folks spend all they have to cruise. Even worse, many people spend more than they have and wind up seriously in debt. We’ll come back to these folks later, but no one taught these folks how to budget or live within their means.

As for the “it all depends” folks, they’re right as well to a certain degree, but it reads a lot more like a defense of monetary ineptitude rather than actual unforeseen costs and issues screwing with their budget.

For instance, I hear a lot of excuses about budgets and cruising. Most of which revolve around things breaking, needful purchases, and maintenance issues. Sure, I get it. Everyone sails off to the sunset, not knowing that things might break, you might have to buy something, and that from time to time you’ll have to do a bit of maintenance.

Really?

Let’s look at the ‘things break’ mantra. Most things that break or quit working on boats don’t actually break or quit all by themselves, but are mistreated to the point of failure. Get the right gear and treat it like it deserves and you’ll find that things won’t break. Not all that long ago, my mast fell down and went boom. The mast, mainsail, jib, and furler are somewhere on the bottom of the Caribbean in between St Thomas and St Martin. The reason for the fall down and go boom episode was that I really should have reefed and that I should’ve replaced the chainplate that failed. My fault entirely. As a result, I had to build a new mast, build a new rig, and buy new sails. Not a mistake I’ll ever make again.

On the buying stuff subject, didn’t your Mom tell you that stuff costs money? Seriously, how is this a surprise? Didn’t you budget for buying needful stuff and the cost of rice in Antigua is an issue?

Then there’s the whole we had to haul out and put some bottom paint on the boat, change a few zincs, and fix that ding from the time you hit a buoy coming into a dark anchorage in the middle of the night escapade. Hardly sounds like a budget killer, but apparently a lot of folks do.

OK yeah, I’ll admit that the cost of things is depressing these days, but it’s not like you don’t have a brain with the ability to adapt and prepare a budget that will see you through.

When we lost our mast, I costed a new mast, and the quotes were just silly. Luckily, building a wood composite spar was within my skill-set, rigging was dead simple, and we have a sewing machine and access to affordable sail makers. The bottom line was that by doing all the work and fabrication, the rig was a fraction of buying a new mast or having the labor done.

Since I see a trip to Europe and back in the not-too-distant future, I’ve been monitoring the various costs involved. I know what groceries or fuel cost in Europe. I’m aware of various Schengen issues and costs associated with them. By the way, did you know Albania requires our boat to use a clearance broker to clear in and it costs 55 euros?

Simply doing your homework goes a long way to making a useful budget that will both save you money and keep your cruising surprise free.

More on budgets and numbers in the next post...

A cruising boat worth thinking about...

 

There's a Beneteau 235 for sale here that caught my attention and got me thinking about what a great little cruising boat it would make.

Now as far as French production boats go, I've never been a huge fan of the Beneteau boats preferring the Jeanneau designs back in the pre-conglomerate days. I expect that's mainly because of the designs of Philippe Harlé like the Sangria, Fantasia, and Tonic.

As far as the Beneteau 235 is concerned it fills the same design niche as the Tonic.

Now, I don't know about you, but the idea of a Tonic or a Bendy 235 as a cruising boat makes a whole lot of sense and inspires dreams of unfettered freedom.

Sure, they're small but small equals a low price, minimal cruising expenses, and small problems. 

That said a small boat is not for everyone.

Back when I was considering buying a Tonic for serious cruising my life was pared down to just the essentials and that's a given where cruising in a small boat is concerned.

These days, where anything smaller than a forty-foot boat is considered small, what is considered essential is a very different thing and people do love having a lot of stuff.

For me. the real beauty of a small design like the 235 is that there is simply no room for anything that is surplus to requirements. The idea of not having to contend with dragging stuff you don't need or use actually qualifies as something akin to a luxury.

Which is not to say it would be an easy transition for most. I'm in the middle of a never-ending struggle  to cull all the various stuff that seems to accumulate and just takes up room but never gets used. So I'm well aware how difficult it can be.

The attraction of a little boat like the 235 or Tonic, for me at least, has everything to do with jettisoning all the stuff I don't need and getting back to a simpler and more focused life. Which, when you think about t is why most of us decided to sail away in the first place.

I often do a mental exercise where I work out how I'd cruise a given boat where I use an Atlantic circle as an example. While doing an Atlantic circle on a 235 is not on everyone's with list it would be an excellent way to sort out just what you'd actually need after you've done your Wordle for the day.

Now, If only I can bring myself to throw away that bent stanchion I can't find a use for...

Problem solving...

So, here’s the ongoing question most of us are trying to deal with: what is the most needed attribute for successful, low-budget cruising or building/refitting a boat?

Is it your sailing ability?

The ability to make a perfect dovetail?

Having the right gear?

Enough money?

Maybe the correct answer is none of the above, and the simple answer is the ability to solve problems. Take building or refitting a boat as an example. Every boat building or refit project I’ve undertaken has been a collection of problems that need to be solved.

It’s all about problem solving. Some are simple, others are difficult, and then there’s the odd dilemma which is right up there with solving the world peace equation while juggling chainsaws.

The same goes for cruising on a budget. It’s not just a money thing, as money is just a math issue. It’s more of “How do we cruise in a way where money is less of an issue?” kind of thing. Thrown together with the “Quality of Life” issue, suddenly we’re looking at how to achieve world peace and someone just threw a brace of chainsaws for you to catch.

So, here’s where you get to put on your thinking cap and work through a couple of problems…

Problem # 1

You notice a 1972 CAL 29 listed for $1500 that does not have a working engine, needs to have the under-mast I-beam replaced, as well as the corresponding bulkhead. The boat otherwise is clean and everything works. The sails are in good shape, but the rigging is as old as the boat.

There is another CAL 29 selling for $10K with a working Atomic Four engine that appears to be in good shape, albeit with no information on the rig or I-Beam. At the moment, you have $5K in cash for a boat. What are you going to do?

Obviously, this scenario is really a cascading collection of various issues. You need to work through the problems before you get to the “should I buy or not” problem. Let’s see how you get there.

Problem #2

You want to sail to Europe as part of a two-year Atlantic circle in your CAL 29 but folks you’ve heard from say Europe and the Med are too expensive to cruise on a $1000 a month budget, the Schengen treaty won’t let you, and that you’d be better off in the Bahamas or Caribbean instead. Is the two-year Atlantic circle doable or not?

Again, here’s another plethora of potential issues that you have to research.

The good news it that all you need is available online and really shouldn’t take more than a couple of hours.

Leave your answers in the comments, but remember the moderated comments take a while before your answers show up.

Here’s a quick hint. Don’t bother with forums as that way lies madness.

a big leap...

"Ninety percent of everything is crap"

                                                                                                  -Theodore Sturgeon

Back when I had the great good fortune to actually meet Theodore Sturgeon and get to talk with him on a semi-regular basis I considered Sturgeon's Law to be somewhat cynical. Now, almost fifty years later I've come to the conclusion that Mr Sturgeon was actually something of an optimist.

I mention this especially where boat advice and wisdom is concerned as far too much is inclined to the crap end of the scale.

Whether it’s advice on boats, advice on cruising grounds, or the best color to paint your boat, it’s more than likely going to be excremental.

If you want to get terrible results, just ask around for information and advice on budgets where boats and cruising are concerned. It’s fun when the Crap-O-Meter pegs out. 

The big problem is where budgets and frugality cross over into the boat zone. For successful refitting, building, or cruising a boat on a budget, you need to up your game. A task that involves a different head-space and rely on your own critical thinking.

Almost all the advice that’s someone’s volunteered for my various boat builds has been just plain wrong. Taking said advice, I would have been doing stuff ass-backwards at a cost that I could not afford.

However, I sought advice from folks who knew what they were doing and walked their talk. Vetting people’s knowledge and experience takes time and is more difficult than just getting on a forum and asking a question, albeit very worthwhile. Many experts inhabiting forums are of the all hat/no cattle ilk and guaranteed to cause problems.

The downside for many is that being responsible and accepting that the buck stops with you can be problematic, as our modern society does not promote doing your own thing or swimming upstream.

Doing your own research can be rewarding. As far as finding stuff you need to know is so much easier than in the dark ages when I built the first Loose Moose. Today, if I wanted to build another Loose Moose, the task would be so much easier, as the needful information is available. Even having to sift out all the incorrect information you’ll find on the net, it’s easy once you get the hang of it.

Next up, we’ll look at a couple of problems that need solving and see how you, Dear Reader, will solve them…

on budgets and boat bucks...

Good Old Boat has an article on the subject of Boat Bucks and it got me thinking...

I suspect that if you read VolksCruiser you’re on a tight budget or looking for ways to make cruising more affordable or maybe you’re just slumming.

It occurred to me that the biggest problem of the VolksCruiser gig is that most folks can’t even say what sort of budget they’re on. Admitting that stuff is too expensive because someone might think less of you is a real problem.

It’s not always easy to embrace one’s place in a social order where what’s in your wallet has more value than the sort of person you are. It sucks.

Having a couple of boat blogs, I get an amazing amount of unsolicited advice. About 99% of said advice is people telling me the answer to my problems is to throw money at them. For instance, I have watermaker that works very well. It’s made thousands of trouble-free gallons of water, but I still get emails telling me I’d be better off with a more expensive system.

When I lost our mast, I received many emails. They said either go out and buy a new mast or just get a new boat. I did not have $20K to buy a new mast, rig and sails. If I could not afford a new rig, where was I going to come up with the $750K that a new catamaran would have cost? People were telling me that the only new boat to get was a frelling condomaran. Talk about peer pressure.

I also get emails from people cowed by peer pressure. Since they cannot afford to buy a new cat, they tell me how they’ll put off their dream of cruising until they can afford to do it right. 

What the fuck is that all about?

Doing it right for some might mean doing it at a certain budget and if they can’t do it that way, it’s not worth doing. That’s nuts. Doing it right means getting it done at an acceptable level of comfort, safety, and within an affordable budget.

To steal a line from Dickens, we’re living in the worst and best of times for cruising. Technology is a wonderful thing and if you can escape the consumerism trap there are many advantages you can take advantage of. Being stuck in a consumerist world where anything old has no value, you can pay pennies on the dollar for the gear you lusted after just a year ago.

Today, with a little homework, a bit of sweat equity, and some scrounging, you can outfit a boat for a fraction of the money that the boat bucks crowd can. Even better yet, refitting a classic plastic design with the added tool of affordable tech makes for a boat better than it was new.

The problem is not that you can’t afford to cruise, it’s about trying to cruise on an unrealistic budgetary framework. Admit your budget is what it is. Use your brain power to find a sustainable solution to making it work in a manner you can afford and be proud of.

a book that's still well worth having...

For some reason or other I found myself reading "Voyaging on a Small Income" by Annie Hill and realized that it's still the best book out there on the subject. Sure it's a kiss dated here and there but the bulk of the information contained within it's covers is just as valid as it was as the day it was first printed.

Fact is that most of the questions people ask me regarding the whole VolksCruising gig can be answered by just reading Annie Hill's book.

Are not books wonderful?

What's affordable?

Budget is a funny thing. Then again, when you think about it money being an artificial construct is also somewhat strange.

My issue has a lot to do with the words we use when discussing budgets and money. Words like affordable. We all understand what the word means, but we also know it has a unique value to different people.

When someone tells me the price of a lithium battery is affordable, I have to wonder what that actually means and can I afford it. I recently wrote about a boat that sells for $175K and I’m pretty sure some of my readers might consider it both a bargain and affordable. I also wrote about some boats that cost less than $3K. I’m pretty sure some of my readers would still consider that to be a serious strain on their budget or unaffordable.

Something of a conundrum that.

Obviously, we’re not all on the same page where spendable income is part of the equation. Which is made even worse by the sheer magnitude of disparity in income and wealth.

So, what’s affordable for a VolksCruiser?

When I started this blog, I had two groups in mind. The first was those working minimum wage jobs. While the second was that hazy middle ground of skilled folks making more than minimum wage, but not quite in the professional zone. Throw in the people who don’t quite fall into easy categories like ski instructors, musicians, freelancers, and artists and you have a hazy idea of what sort of incomes are involved.

The current poverty cutoff point in the US of A for a couple is $17,420 a year, or just about $1452 a month. Keep that number in mind…

Another number that crops up regularly when discussing cruising budgets is the $500 a month cruising budget, which has been a thing since I was in college. I’ll point out that in those days, a Snickers cost a nickel. Think about that for a moment or two.

Now, here’s the funny thing; a lot of cruising budgets I’ve read by cruisers who are on more expensive boats than lowly VolksCruisers still use the $1000 and $1500 as their target budgets. Too often, the thing that keeps them from achieving those budget goals is the added costs generated by a larger, more expensive boat with complicated systems. They still seem to get by on near-poverty level expenses, showing how affordable living and cruising on a boat can be.

Even more telling is that even with inflation and all that, some folks are still getting by on close to the $500 a month zone. Certainly not for everyone, but I’d love to learn just how they manage it.

Which is all a roundabout way to trying to define what sort of financial budget makes sense for a couple cruising on a sustainable finite budget. As well as what sort of boat needed to make it happen.

We’ll look at a couple of examples next…