What is Snowbirding?
Retiring isn’t a prerequisite when learning how to be a snowbird. Have you asked yourself, “Can I afford to be a snowbird?” Creating a budget, choosing a destination, making a plan, then committing to your goal may be simpler than you’ve imagined. Focusing on employment that allows movement, downsizing unnecessary costs, and automating tasks will allow you more freedom to enjoy your winters. To answer the question, “What is Snowbirding?” The answer is simply anything you want it to be.
How to be a Snowbird on a Budget
How much does it cost to be a snowbird? Making a budget is never glamorous, but it’s a key step to ensuring you can comfortably live the snowbird lifestyle. When budgeting, include your current recurring costs, the additional payments you’ll make with your second abode, and the differing costs of consumables and day-to-day necessities.
Minimize doubling up on recurring costs such as subscriptions and utilities by canceling or pausing them while you’re away. Renting out your home through a company like Airbnb or as a short-term rental can be a great way to recoup your rent or mortgage payments–just make sure that this isn’t a breach of contract if you are renting.
Consider what other household items you will need to double-up on, such as furniture, appliances, and kitchenware. Your day-to-day costs may differ in your new location, depending on the price differences in fuel cost, food cost, and tax. You’ll be able to make a more accurate estimate once you choose a destination.
Choose a Destination
When choosing your destination(s), think about how you plan to spend your time in the winter, your budget, whether you’d like to return year after year, or whether you’d like to explore new places. Let’s say you’re big into hiking, consider the density of nearby parks to enjoy in your winter home. If your budget depends on being able to rent out your second home while you’re away, make sure you choose a destination where you’re likely to find a renter.
If you have an RV or are considering using one as your winter home, you are able to eliminate rent or mortgage payments and can be much more mobile.
Choose a Lifestyle
Deciding your snowbird lifestyle will determine how to start being a snowbird. Will you be able to take a leave of absence from work? If you plan to work year-round, you can consider remote work positions, odd jobs, self-employment opportunities, or seasonal work. The outdoor industry, food service, theme parks, and tourist attractions are a great way to work seasonally and enjoy the outdoors.
Then, decide if you will be staying in one place each winter, being completely nomadic throughout the year, or a hybrid option. This will determine your accommodations—whether you choose an RV, to rent a home, or to purchase a second home in your dream location. If you have school-age children, you’ll have to decide if you’re going to split the time between districts, enroll in a virtual education program, or try homeschooling.
Plan Ahead
Planning ahead is the cheapest way to be a snowbird and will save you from headaches down the road. Planning ahead ranges from winter-proofing your home (particularly when it will be unattended) before heading south, to the more mundane task of making sure there are adequate health providers near your second home that will accept your health insurance.
Paying Bills
Make sure your banking needs can be met in your winter location. This is becoming easier with online banking and reciprocity between some credit unions. Switch to paperless and/or autopay so your bills don’t fall through the cracks.
Staying in Touch with Family and Friends
Adjusting to being “out of town” can certainly put a strain on relationships. Maintain a list of loved ones based on their location–this can be used to catch up with people when you’re in town, or inspire a special trip to visit. I’ve found that people love to receive postcards–they’re super quick to write and help the other person feel like they’ve shared your experience. Scheduling regular calls or video calls with those you’re closest to is a great way to make sure you stay in touch.
Staying Active
It’s easy to let your exercise routine fall by the wayside when you’re in vacation mode. Making a note of outdoor attractions can ensure you stay active while exploring your winter home. If you play sports, finding a local league is a great way to meet people and build community while staying active.
Manage Your Vacant Home
There are several options for managing your vacant home. You could ask a loved one to check in on it periodically or stay there while you’re away. If you’re hoping to offset costs, you could rent out your home, whether it is with Airbnb or a short-term rental with a single tenant. To keep an eye on the property while you’re away, there are many remote options where you can manage security systems, control lights, and adjust your thermostat.
Lastly, you’ll want to consider how your lawn and yard will be maintained, especially if snow removal will be necessary.
Go!
Once you have your plan, all you need to do is pack up and hit the road or secure your flights. If you plan to be a snowbird long-term, building a checklist of items that you need in each location is a great idea, especially if you are bringing things like your cookware back and forth. Stocking up each home with nonperishables like toiletries before you leave will ensure a smooth and relaxing arrival next time you return.
Frequently Asked Questions
What’s the cheapest way to be a snowbird?
Downsizing your home, renting it out while you’re away, and choosing destinations that are a little off the beaten path save money. Minimize recurring costs that won’t be used year-round such as cable TV or gym memberships. Finding remote work or seasonal opportunities will ensure that you don’t deplete your savings account too quickly.
How do I start being a snowbird?
Mentally commit to the idea and take your time making a plan. Make a budget, test out your desired location with a rental to ensure it’s a good fit, and don’t feel like you need to make a huge commitment right away. Experience will give you the expertise on fine-tuning your seasonal logistics and minimizing unnecessary costs.
What is the average age of a snowbird?
Snowbirds tend to be retirees, but this is changing! With the shift toward more remote work opportunities and a general reassessment of priorities, younger folks are starting to enjoy the snowbird lifestyle while remaining in the workforce.
