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The Cruising Life – What Does it Cost?



From a shoestring budget to a relatively extravagant lifestyle it depends entirely on the sailors, their financial situation at the time, and a number of important factors that have to be taken into consideration.

Cruisers come in many different categories…

• Ones who have sold up to sail, and have some savings!

• Sailors who have retired, possibly with pensions they will live on!

• Those that have an income or are able to work from a yacht!

• Many who have to take breaks to build up the ‘kitty!’

• The lucky ones who have found alternative ways ‘to live the dream!’

These are some of the questions that need to be answered…

• Are you able to handle maintenance and basic repairs yourself?

• Is it likely your boat will need a haul out in the future, when is it due for the next antifoul; will you do it and what about emergencies?

• Will you be looking at flights back to your home or family?

• Do you like to dine out at times or go on sightseeing tours?

• Are you going to spend time in marinas or anchorages?

• What about other living expenses like fuel and communications?

It comes back to desire. If you really want to go cruising your budget whatever it may be will fit into place, you will make sacrifices and improvise so you can live your desired lifestyle.

Low budget cruisers can live on small fixed incomes such as a pension, living extremely simply with none of life’s luxuries. It is the freedom and pleasure of the cruising life that give them satisfaction.

For others a reasonable budget can range between $15,000 and $30,000 a year. It means focusing on good money management, preventive maintenance and being true to your values.

Cruising Food Budget:

Food is individual and costs vary between cold and warm climates and coastal or off shore sailing. If you have good storage some things can be bought in bulk or even shared between several other sailors. Shop where the locals shop it’s always cheaper than the smaller stores on the tourist strips. Meat keeps better and is tender when vacuum packed.

At some islands you can exchange goods for fruit, vegetables and seafood’s. For example at Minerva Reef on the way to Tonga we swapped cans of beer for whole lobsters. Buy fruit and veggies that are in season at markets and long life vegetables like potatoes, pumpkins, onions and garlic can be bought in a bigger supply.

If you’re lucky to catch a few fish it’s a great supplement for meat that may be expensive in some areas.

One of the ‘must haves’ in the galley is a pressure cooker. It saves time, money and in the tropics is so fast in cooking it keeps the heat down in the cabin. A pressure cooker makes a great pot roast, can turn cheaper cuts of meat into tender and savory meals. Try baking bread in it if you don’t have an oven.

Eating Out:

Dining out and entertainment can vary enormously depending on sailors and just where you happen to be. If you go out for lunches, or a ‘take away’ that you can eat down on a beach with a bottle of wine it is far cheaper.

In a different country part of the fun of cruising is tasting the local cuisine. Some countries are fantastic with cafes and delicious meals and it doesn’t break the budget. With other places you may need to budget more money for eating out!

The cost of fuel:

The best part of the cruising budget is the wind is free, and we are sailors so cruisers prefer to use their engine as little as possible. Entering and departing anchorages or at times marinas there is minimal use of fuel.

If coastal cruising and its necessary to make a destination before night fall or against current and wind the motor can be used to get in before dark.

My diesel inboard motor runs on the smell of an oily rag. The other two fuels we have to take into account are dinghy fuel and cooking gas, neither should put much of a dent in the budget.

When planning your fuel cost take into account the distance you are traveling, if you are going blue water sailing consider the cost of fuel in the areas you travel.

Based on cruisers I’ve talked to your total fuel budget can range from $10 to $50 a month, depending on if most of the time you spend sailing or at anchor.


Mobile phones and the internet for most of us are a necessary part of living and keeping in touch. Prepaid phone cards help you keep your call in a set budget and that too depends on the individual it can be $20 to $50 a month.

Satellite phones will keep you in touch anywhere in the world and have many added features… look at the cost and build it into your cruising budget! There are internet cafe’s all around the world if you don’t have the facilities on board.

There is also Sail Mail for off shore sailors with SSB radio, it can be hooked up to your computer and costs around $200 per month.

Clothes Budget:

This depends where you sail; the tropics or a colder climate. In the tropics minimal clothes are needed and washing and drying them is easier. Winter woolies and heavy fleecy clothes cost more and are harder to wash and dry.

It’s often better to wash and dry them ashore in a washing machine and a dryer; they do not dry very well when washed in salt water. So laundry cost will have to be put into the cruising budget.

Ones own style and values and how often there are shore trips and what kind of entertainment is enjoyed will also dictate the type and cost of clothes. I personal like to have some shore clothes set aside and ready to go! Sailing clothes can sometimes look creased or get stains from your last meal tossed on them when you miss your mouth hitting a wave. So the cost? This is as individual as it is on land!


Travel a few hundred miles or over seas and part of the enjoyment is getting out there and exploring the sites, natural wonders, history and all that the culture has to offer. Cruising budgets can be guess’termated according to the destination

A lot can be seen free; walking, hiking, snorkeling or scuba diving, and beachcombing. Some museums and cultural events can be free. Cinemas and local café’s need not break the budget, but a good concert may cost us a little extra.

Entertainment aboard is different between cruisers. Most read, listen to tapes and CD’s also watch DVD’s, there are also electronic games and board games and cards.

None of these things will cost much and books, games and DVD’s can be swapped between sailors; marina laundries are notorious for have a large range of books left for the next person to read. Hobbies like writing journals of the places traveled, or painting is enjoyable too. Some play musical instruments and sing… great at pot-luck parties or bar-b-que’s on the beach it’s entertainment for everyone!

Medical – Dental – Optical:

This varies in different countries and the individual’s health. In Australia there’s Bulk Billing Medical Centers which are free and dentists if you are on a pension and join the free dental waiting list.

Magnifying glasses can be bought at a chemist for reading. That doesn’t discount going to an optician.

Health Insurance can be a protection in cases of emergencies, some have it, some don’t; this is no different to when you’re on land.

Other Costs… you may have to consider things like fishing licenses, prescriptions and souvenirs and flights home. These things are all individual and things like Customs and Immigration fees for off shore travel must be considered.

Some cruisers can live on $5,000 a year if an extremely frugal cruiser with no luxuries. Others say they live on around $10,000 a year on a pretty strict cruising budget and from there it can increase according to values and the way one likes to live.

You can spend what ever you have and live extremely well when the budget reaches $20,000 to $30,000 a year. For most people they can cruise for less than they can live on land.

A lot of stuff to think about!! A lot to calculate and weigh up when looking at your cruising budget! And good news! You won’t have mortgage payments or rent, electricity bills, car payments and fuel for your car and all the land based costs that eat into your finances very heavily.

The other big bonus is your vacations and travel, which are endless are all taken care of too! No hotel or transport to pay for!

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What Does It Mean When A Husband Says He Had An Affair Because He Felt Empty?




If I’m being honest, I’m not sure that any of my husband’s excuses for an affair were going to ring true for me, especially at first. When you are dealing with the shock of an affair, you are defensive. You are angry. So when your husband starts will the defenses which indicate that something was missing in his life, it’s very easy to reject these outright.

Some of us will debate that anything was wrong. And some of us will accept that something was wrong, but will stop short of believing that the flaw was any sort of excuse. Sometimes, it is very hard to understand what he means when he gives you vague terms as excuses. One such excuse is the description of feeling “empty.”

Someone might say: “I honestly could not believe it when I caught my husband having an affair. I never thought that he was the type and I thought that our marriage was good. My husband has always been disappointed in friends who have cheated on their wives. So I never could have anticipated this. At first, he refused to talk about any aspect of the affair. He would get angry and quiet. His face would turn red. I honestly think he’s a little bit embarrassed. In the past week, I’ve been very clear about telling him that I expect answers. And that if I don’t get them, our marriage might be over. So finally be blurted out that he just felt ’empty’ and this his eyes got all teary. I guess he thought I would feel pity for him, but honestly, all this confession did was to make me feel anger and a loss of respect. What a cry baby. What a whiner. My life isn’t always great but you don’t see me going out and ruining my life and cheating on people. What the heck does this even mean anyway – ’empty?’ How does one feel empty? It’s just ridiculous to me.”

We all know the literal definition of empty. The dictionary definition is “containing nothing. Not filled or occupied.” But the emotional definition of empty is a little more difficult to grasp. When someone says they feel empty, it means that they feel flat. They don’t feel fulfilled. They feel as though their life lacks purpose.

Frankly, I’ve heard a lot of depressed people say that they feel empty. Because when you are down emotionally, it is easy to focus on a feeling of lack.

Even if your husband is being completely honest with you (and I don’t know why he would lie about this, since it’s not exactly flattering,) it doesn’t excuse his cheating. But it does indicate that he’s willing to open up. And it does give you a starting point.

Unfortunately feeling empty isn’t a very specific complaint and addressing it isn’t going to be a quick fix. You can’t just suddenly fill your husband’s emotional cup. His lack is his own. And no one else can fill him except for himself. It must come from within him.

Common Reasons For Feeling ‘Empty:’ There are many reasons people feel empty. Some are disappointed with how their life has turned out so far. Others feel that they are lacking purpose so they don’t feel that they make a difference in this world. Others feel like they are just treading water in their life without any real meaningful direction. Identifying the feelings is something that your husband is going to need to do for himself because you can’t possibly know how he feels and what he is thinking.

Good counseling can help your husband identify what is lacking and help him formulate a plan to feel better. Many people do not have the self knowledge or the ability to objectively look at themselves to see what is really happening.

The good news is that often, once the person finds their way again, they no longer have the need to seek out risky or dangerous behaviors in order to feel whole (or to feel anything for that matter.)

Feeling empty isn’t an excuse for cheating, but it is a route that many people will take. Nothing in their life makes them feel alive or brings a flush to their face. They get desperate to feel anything at all. So the affair is an attempt to get them to feel, to get them engaged again.

Of course, the better option would have been for him to have sought that feeling at home. Once more, I am not excusing his cheating. I am just speculating as to what he might be trying to express. And I want to stress that although it may be tempting to try and fix this for him, this isn’t something that anyone but him can and should address.

Certainly, you can support him. You can encourage him to seek counseling or self help. This is true even if you aren’t sure about your marriage. Whether you are angry with him or not, he is an important person in your life, and I’m sure you want him to get help for this. But you can not fill him or take away his emptiness. Only he can do that. And it’s important that he does. Because you can not give someone something that you do not have.

You can not give another person love and stability when you yourself are not feeling that internally. I hope that this article may have give you some insight on what your husband may have meant by feeling empty. By no means is an excuse, but it may be an attempt to express why he acted.

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Six Figure Mentors Review – What Does It Take To Succeed?




I joined the SFM back in 2014. At the time it had only been running for four years. I didn’t know what to expect but I had been burned a few times online with a number of business type courses promising to help me earn money. My lack of experience back then and my desperation was partly responsible for some of my failures. But also, many courses taught tactics which were already becoming out of date.

Some of the courses I bought taught how to get your website up in the Google rankings. If you’ve ever tried this, you’ll know it isn’t easy. It was far easier 20 years ago admittedly. But now, getting ranked for your website is becoming much more difficult.

So back to The SFM. When I joined I decided I needed to start afresh and although I had learned a number of skills, I still hadn’t really made any money on the internet. With the exception of buying and selling on eBay, the other strategies I had tried just didn’t get any traction.

After joining, I was immediately impressed with the information I was getting. The “over-deliver” strategy clearly worked on me! I also benefitted by joining under someone who helped me make my first couple of high ticket sales. This happened within a few months. However, I didn’t fully understand the business system or what was involved. Although I’d made a couple of quick sales, for not much work, I hadn’t entirely been responsible for those sales. The affiliate who referred me had set up a Facebook advertising “co-op” and helped a number of people get some traction.

After my first sales, I stopped advertising and simply took the money! This seemed like a lot of money to me back then. It was a couple of thousand pounds. I now realise that I should have re-invested it back into the advertising, which is what I am doing now, now I understand the business better.

Having made an ‘early win’ gave me confidence in the business system which is one of the main selling points of what The SFM offers. It also offers top-notch training too – more so now than back in 2014 when I joined. Now, I am a member of a number of Facebook private groups which I can sit in on, and watch ‘over the shoulder’ of those who are succeeding in this business.

Don’t get me wrong, this isn’t an easy business to learn. Some of my main problems have been my ‘grab it and run’ mindset and scarcity mindset which has stopped me from taking some important action steps. The SFM training program caters very well for this. In fact, one of their main strengths is undoubtably their ability to install an ideology of personal growth. Without this, you really will be fighting some internal battles as I have definitely done. This will hold you back if you don’t overcome your mental barriers to success.

It’s not for everyone either, admittedly. The business system itself is expensive and for some prohibitively so. But for anyone wanting to make full time living from the internet, I’d say The SFM is a good place to go. You’ll need to work hard and invest though, and it’s no easy ride. But it does offer something which many want – a digital business system which can be run from anywhere. The possibility of financial freedom, however far away you believe it to be.

If you only want the training, I’d say that was worth the money at the lower levels too. I had a failing kung fu school running when I joined and now it’s doing really well. I attribute that to much of the learning and understanding I have picked up from the SFM training and education platform.

You can’t really expect to earn a living though if you only join at basic level. Only by at least getting to Elite level will you be able to access the higher ticket product commissions. But if you want to learn some digital marketing and mindset skills, it’s worth the training and community even if you don’t want to make a full time career out of it. The community on its own is a hugely powerful resource and has benefitted me both personally and professionally.

After my first couple of high ticket sales, I decided to focus on blogging and the cheaper strategies of generating traffic. I simply didn’t have a budget to risk on advertising. I decided that if I got free traffic, the sales would be worth more in profit, which is true. The problem is, the strategy I used (blogging) isn’t the best one, particularly in a very competitive niche like affiliate marketing and “money-making online”. I know there are people doing well with social media marketing and other free strategies, but I didn’t go down this route.

The people who are making the real money with The SFM are those who go all in. They position themselves at the very top tier of the business system and promote the SFM themselves as partner level affiliates. This means they can earn the highest possible commissions from the business. Some products are sold at $35,000. Those at the top level can earn 40% of this in commissions, but they need to purchase the product themselves in order to have it in their ‘online store’.

There’s a lot of learning to be done too. I thought I’d make it work very quickly and be sitting on a beach counting my money. But as I persevered through the difficulties, I have changed and understood that it’s a business like anything else. It’s no magic bullet to instant riches. Just a business model with products within it that anyone can sell.

In order to put the most expensive items in your own personal online ‘shop’, you need to purchase them yourself. Reading the reviews today that I’ve found about the SFM I see a lot of scepticism. Many say it’s a scam. Well, it’s not a scam, it’s real. But it’s easier to say it’s a scam and not have to do all the work involved in making it happen. There’s plenty of people who are making it work for them, and creating amazing lifestyle businesses of their choosing.

The SFM started in 2010 and have recently partnered with Microsoft Lynda (Under the LInkedIn umbrella of companies). Microsoft Lynda now offer their own 6,500 training courses as part of the SFM curriculum.

DigitalMarketer (The world’s longest standing and most highly respected B2B and B2C marketing training company) also partnered with SFM and now offer their own training as part of the SFM curriculum.

I don’t think these companies would partner with any organisation that wasn’t providing huge value, was well established, and wasn’t 100% above board.

Since joining The SFM in 2014, I’ve seen some huge changes in myself. I’ve had to face myself and see my own limitations as stopping me move forwards within the business. Your thinking and mindset have a huge amount to do with whether you can make a success out of entrepreneurship. It’s much, much easier to discount something as a scam, than it is to look within and grow yourself alongside a business.

If I had quit on my journey, I would have missed out on a greater opportunity than I could fathom at the time. I struggled and struggled, but much of my struggle was with my lack of understanding of the business model and of my own limitations. I was programmed with a poverty mindset which viciously fought against spending money. To get into the space of knowing that I need to spend in order to earn was a huge shift in my mindset.

I’m far from the best performer in The SFM, at this time, but what I’ve learned about myself and about my inner limitations is invaluable for the rest of my life. I will continue to learn and never quit, so watch this space, you doubting sceptics out there!

For those who are thinking about joining The SFM and to do so would mean severe poverty, I’d suggest to get in a better financial position first. I scraped by and took some chances, but it’s not easy. If you are determined in this business though, there’s no reason you can’t make it happen. But if you can’t afford it, I’d suggest another program if it’s going to put you in debt.

The SFM program is more than just a sales funnel with digital products in it. It’s an “all-in-one digital business system and training platform. The goal is to make long term digital entrepreneurs who can sustain an income and thrive from the sale of products over the internet. That means there’s a whole lot of work to be done, if you’re going to make this a full time living.

It’s definitely not for the timid. Expect to be pushed, and expect some discomfort if you’re going to do what you need to make it work. Remember too that affiliate marketing is performance related. No one owes you a living! You need to take charge of yourself and your business in order to make it work! Good luck!

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What Does Your Interior or Exterior House Paint Color Say About You? 7 Keys to Color Communication




How would you describe yourself? Are you conservative, bold, fun-loving, sophisticated–and even more, how much do you want to communicate this in a non-verbal way?

You can do it with your choice of paint colors. It’s a not-so-subtle communication about your personality and lifestyle.

Of course, you can use this both ways. Do you want to be more “undercover?” Want it to be a secret, or surprise? See how comfortable you are with colors and combinations of colors that run counter to your innate attractions and inclinations.

It’s a bit different, granted, whether we’re talking about the exterior of your home, versus the interior.

Interiors are much more flexible, and it’s much easier to make be more expressive with interior colors–then change them at a whim if you want to.

7 keys to color communication

1. Extroverts: Usually like to use bright, contrasting colors and patterns that say, “Look at Me.”

2. Introverts: Tend to be attracted to a more pensive style of color. Blue, green, and soft lavender hues in muted tones whisper “I love quiet places.” These are good colors to create spaces for meditation.

3. Style-conscious: Add some unique colors to the mix, looking at the current trends in color and design.

4. Sophisticated: Subtle, or dramatic. Color preferences are often neutral-based, using colors of metal and stone with accents of brilliance or depth.

5. Happy and Sunny: The effusive, upbeat personality is energetic and loves to share, in of yellows and oranges combines with floral and garden colors. The message: “I want you to enjoy this, too!”

6. Serious individual: Look for earthy “neutrals” with stronger color accents in a monochromatic style palette. Some punch of stronger color shows the sense of adventure in this person.

7. Adventurous: An eclectic personality, and palettes drawn from sources ranging from natural, earth-tones to “high-tech color” accents and international hues exemplifies these individuals. There’s a tendency to change color styles, accessories, and paint walls at a moment’s notice.

Tips for exterior expression

While exterior colors can be expressive as well, it’s obviously a much bigger commitment when you’re painting the exterior of your home. You will probably not be changing your home’s exterior color palette too often. But when you do, you can still keep these in mind-along with all the other considerations creating a personalized home with exterior color.

Body colors: Stand out in a beautiful way with a deeper color than your neighbors are using.

Trim: Make it a contrast with the body, but it does not have to be white!

Accents: Here’s your place to be more expressive, with a bold complementary color.

Historic buildings: Even the color palettes for historic homes or other properties can include a bit of personal expression.

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