Voyaging with Velella: The Cost of Cruising

velella at anchorIn this special edition of Voyaging with Velella, ASA writer-at-large Meghan Cleary answers a popular question from readers: What is the necessary budget for living aboard and cruising in a sailboat? Meghan and her fiance Prescott are currently on a 9-month cruise in the tropics aboard S/V Velella.

A number of people have asked me lately what it costs to go cruising. The answer to that question is as widely variable as what it costs people to live on land, because there is a wide range of different lifestyles even within the cruising circuit. But if you have tons of cash, you probably aren’t as keen to understand the breakdown of costs as someone attempting to do this on a shoestring. So the important question is, what is the minimum budget required to cruise? If you have more than that to work with, great! More cervezas for you.

Perhaps it is because we are young cruisers ourselves, the exception to the norm in this community, that I’m always interested to know how the other young cruisers make ends meet. If you’re cruising for retirement, it’s understood that you’ve spent your life saving up for exactly this, and while you want to be frugal to stretch it as far as it can go, you’re drawing from a relatively deep well. Young cruisers on the other hand, most often have a much more limited budget, and therefore a limited timeframe in which to cruise. We always ask young people, “So, are you working from the boat? Where’s the cashflow coming from for you?” Invariably the answer is either that they’ve found a way to make some money while cruising (like Prescott, who continues to freelance as a motion graphics artist); or they’re just sailing for the season and planning to head home to work in 6 months or so.

If your dream is to buy a boat and sail away forever to distant shores on no timeline whatsoever, of course you’re going to need to save up for a loooong time. But if you can be flexible about your cruising, it’s possible to get underway on a much smaller annual budget.
Carrying A House on Your Back

The first critical stage in financial planning for a cruise is obviously to acquire the boat itself, along with all the gear needed to outfit it. Depending on the boat you buy and what it comes with, you could spend as little as a few thousand dollars or double the cost of the boat to outfit it properly. Outfitting costs cover an enormous range, and are largely impacted by the gear choices you make. With Velella, we placed a lot of importance on making her as safe as possible. That included purchasing an offshore life raft, an EPIRB, hydrostatic PFDs, good jack lines and tethers, an SSB radio to be able to receive up-to-date weather information underway, and even a Monitor self-steering vane to alleviate the exhausting prospect of hand steering 24/7. We’ve got our trusty whisker pole from Forespar (pictured at right). We carry a full complement of engine and rigging spares onboard, as well as all necessary tools to ensure we’re as self-sufficient as possible should any sort of problem strike. However, if you plan to live aboard, even the cost of buying and outfitting a very nice boat can be far less expensive than owning a house on land!

Excluding the cost of the boat itself (our home mortgage), we spent roughly 2/3 of our total cruising budget on outfitting. We left Los Angeles this year with a plan to sail for 6-9 months and $7,000 in our pockets. That money was divvyed up into the following categories on a monthly budget:

Moorage: $100 per month
Fuel and Other Transportation: $120 per month
Boat Maintenance Expenses: $100 per month
Food $300 per month
Discretionary/Entertainment $50 each per month
Customs and Fees: $50 month average
swimming with dolphin
Other expenses we had also planned for were the ongoing boat mortgage, student loans (!), boat insurance, and international medical insurance. Your boat mortgage and insurance will vary widely; international medical insurance is cheap to come by at $600 for the year covering both of us. We added up these “unseen” expenses and make sure we had enough in addition to the $7,000 we were taking with us to cover these things while we were gone.

A $700/month spending budget is remarkably tight; I would place that at the bottom end of the cost range. It’s also worthwhile to note that Central America has become a lot more expensive in recent years; moorage in most ports in Mexico, for example, costs almost double US prices.

Jumping In

If you’re serious about saving up to go cruising, there are a number of excellent, in-depth resources you should consult, first and foremost being “The Voyager’s Handbook” by Beth Leonard. Meanwhile, here are a few planning pointers you can take away from our experience preparing ourselves and Velella to go cruising:

1. PLUG IN TO THE SAILING COMMUNITY EARLY. Cruising sailors are all on a budget, and the community is constantly swapping gear when they’re through using it. You’d be shocked at how much money we saved on gear just by checking first if anyone knew of someone getting rid of an outboard, a drogue, a spinnaker sail, whatever!
2. BE REALISTIC ABOUT YOUR NEEDS. Use other people’s budgets as models, but weight your own needs in there too. You can learn to live without many things, and you will, but certain things you just won’t be able to give up; know yourself and be realistic about what those are when putting together your budget.
3. SET YOURSELF A TIME LIMIT FOR SAVING. THEN GO, GO WITHOUT, AND THEN GO HOME. We would have liked to set out with more money on this trip; our budget is extremely tight. Spending only $50 a month for fun is HARD—try it sometime! Last month my sole purchase was a cruising guide to the Sea of Cortez. . . which I read and reread and reread for a month. And this week we’re having culinary adventures trying to stretch our last $20 to cover a week’s worth of food. But don’t let a lack of extra spending money stop you from sailing away—it’s absolutely amazing and gratifying to live so simply, and plus, there are incredible tropical reefs and hikes and other natural diversions to keep you plenty occupied for free while cruising. When the money runs out, then be willing to go home and work some more to top off the cruising kitty.
4. BE PREPARED TO PUT MONEY TOWARDS IMPROVING YOUR OWN SEAMANSHIP SKILLS. The best piece of gear we have onboard is our know-how. One of the most valuable preparations we did before leaving Seattle was to hire an ASA instructor for a week-long Advanced Offshore Cruising certification course on our own boat (from the wonderful San Juan Sailing School in Bellingham, WA). All of the skills you can develop in advance will make you more confident sailing through heavy seas or pressing on overnight, anchoring in tight spaces instead of paying to moor, and fixing problems you’d otherwise have to pay someone else to help you with.

Don’t listen to people who say you have to take 5 or 10 years to get underway. Just be practical about your plans and commit to them! If you have a burning wanderlust in you, you can devise a way to follow this dream. And give me a holler when you’re ready to meet up in an anchorage somewhere warm!

Here’s where the crew of Velella is living the good life on a shoestring budget right now:

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I hope Nessie is still around and OK – she wasn’t mentioned in the opening paragraph this time!

“In this special edition of Voyaging with Velella, ASA writer-at-large Meghan Cleary answers a popular question from readers: What is the necessary budget for living aboard and cruising in a sailboat? Meghan and her fiance Prescott are currently on a 9-month cruise in the tropics aboard S/V Velella.”


Don’t worry Jillian, we can assure you that Nessie is still on board and doing fine!

Tim Geisler
Tim Geisler

Hey Megan…

We’ve been loving your posts! You guys are on a fantastic adventure and it’s fun to live vicariously through your posts and pictures. We have two young boys (3.5 &1.5 years old), and are so looking forward to cruising with them. Appreciate your honesty and transparency with your cruising budget. That’s really helpful for all of us who plan to go cruising. I’ve heard of another book about cruising on a budget that I’ve wanted to read titled, Voyaging on a Small Income, have you read it?



@Jillian: Nessie’s still here and fatter than ever from all the fresh fish!

@Tim: So glad you’re enjoying the stories–thanks for commenting! I have seen that book, though I don’t have a copy in our nav library for some reason… will have to keep an eye out for it. Are you planning to cruise someday with your kids? I’ve always thought that would be such an awesome, hands-on way to teach kids about the natural world, not to mention energy consumption, living on a budget, etc : )


Meghan – You are my new role model – thank you for your posts!! My husband and I have a 2 year old and 3 month old, so we figure we’ll need about 10 years until the kids would be ready to go on a year long voyage. Or longer… 🙂 We’re very excited about learning to sail and will be getting our ASA 101 certifications this weekend in NC. Thank you for this post – we are starting a sailing kitty now so hopefully we’ll have plenty by then. Do you meet many families with young kids voyagaing?? Thanks… Read more »

Meghan Cleary
Meghan Cleary

HI Jodie, I’m so glad you’ve enjoyed reading about our voyage Velella! We are also talking about taking kids cruising someday–I think it’s a fantastic idea. There are lots of families that cruise with children (though obviously they’re not the majority). But it’s really sweet because kids always find other kids on boats in anchorages, and the adapt to make friends easily where ever they are. I’ve always thought it would be a wonderful lifestyle through which to teach youngsters about the natural world, different cultures, consumption and self-reliance… And there’s nothing cuter than the voice of a six-year-old using… Read more »

Mid-Life Cruising!

Great post! We’re in our mid-forties and plan on cruising full-time in about a year and half. We’ll also be on a tight budget, and it’s encouraging to read about someone else making it happen without a big chunk of money in the bank! The cruising budget is always a concern for newbies like us, and we actually wrote a post this morning about what we imagine will factor into the costs. Check it out at http://www.mid-lifecruising.com/2011/08/notb-how-much-will-cruising-cost.html


Really enjoyed you article, my wife and I are considering leaving from Grand Rivers, Kentucky and stay in the keys for the winter. Your answers here gave me some insight as to what to plan for.


Thanks Sonny, glad we could help! Keep us updated on your journey.

Michael Cioffi

yes i will agree with you. this is not mentioned….


Really a nice and helpful article, it’s really helpful for all of those who plan to go cruising.


Just found this information. I know it’s posted a couple of years ago now… but the wife and I set up a “five year plan” to retire and go cruising (retiring early) simply because we didn’t WANT to keep our house, and all the junk we collected over the past 36 years. Rather we WANTED to sell the house to fund the boat and a few years of travel, and then later start using our retirement income to keep going. So, sometimes it’s not a matter of “getting out and going NOW with what you have” it’s more a matter… Read more »