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I know a bit about this subject as I am in the market for a camper at the moment and have lived for extended periods in a camper while I worked as a nomadic construction worker. So you are looking for:
>the most practical and economical way of living in an RV
Let me try to break this down. Most practical, is a travel trailer, not an RV. The reason being is anytime you have to go resupply are you ready to strike camp? With a trailer you set up camp, and can leave in your vehicle to resupply, go to the laundry mat, restaurant, etc.
Most economical, like down right cheap as it gets is going to be a pop up or something like a Jayco 145. A Jayco 145 is a camper design that nearly every company has manufactured at some point. Typically it is bathroom in the back, a short galley kitchen and a double bench with table that doubles as a full size bed. Big enough for one person, cramped with two. It is an entry model at best.
> how to finance a purchase
Go through the dealership first off, next is going through your bank or another 3rd party lender. I've seen financing on RVs go all the way up to 12 or 15 years. I recommend going through the dealer, if the financing doesn't work for you, tell them. They want your business they will hunt to find terms that meet your requirements. If they won't or if they are a high pressure dealer, then walk. Its an RV dealership not a car dealership, if it feels like a car deal to you walk.
>what are the most 'practical' and 'economical' RV's out there?
You keep saying practical and economical, for some reason this just reads like, "I'm 18 and the cheapest way for me to leave home is in an RV". If it were me, I'd just get a cheap trailer or A frame popup, pic related, and a beater suv/truck with just enough power to pull it. Get a used trailer to save money and a used vehicle. There, now enjoy being a land locked live aboard. State parks can get expensive in the long run, RV parks will be your cheapest bet.
