Without a boat at the moment but that will change when I find the right thing. I have a fixed income, manage okay, I am a low budget cruiser, do okay, enjoy life a great deal. Not a racer, like life that way. I sailed from Tweed Heads to Townsville in a 24 foot modified Jarcat 6 and lived aboard for almost 12 months on an income of about $300 a week. No formal sailing qualifications but experienced and competent. Still learning after sailing for almost 40 years.
