The Finances of Living in a Stick & Brick – April 2007
Spring in a House – Working diligently to sell the house and Doing so on Easter Sunday, April 8th!!! (Old Post)
Still living in the stick home, and volunteering 2 days a week, put the house on the market and Laura still has her own business while Sasha is working Full-Time.
So in March we did not do much in the way of pictures or anything else, we were getting the house ready for Sale, and so our expenses show that as well as we have a ton more categories during this time. We were also both working and I still had my business plus I was volunteering a couple of days a week at Prince William Forest Park. So the months were very busy.
Expenses for April 2007
- Food and Household: $232.14
- Out to Eat: $162.85
- Clothing, Laura: $41.98
- Shelter, Mortgage: $1.969.57
- Utilities, Lawn Care: 90.00
- Utilities, Washington Gas (Natural Gas): $114.71
- Utilities, Virginia Power (Electricity): $108.79
- Utilities, Verizon Phone/DSL: $72.95
- Utilities, Water & Sewer: $66.18
- Utilities, HOA (Trash): $54.65
- Household, Home Stuff: $1,011.70
- Household, Services: $727.00
- Transportation, Tolls: $3.00
- Transportation, Car Gas: $161.89
- Transportation, Diesel: $121.54
- Transportation, Camper Storage: $54.50
- Transportation, Camper Equipment: $862.19
- Transportation, Camper Maintenance: $41.42
- Communication, Cell Phone: $116.24
- Health, Insurance: $131.00
- Health, Other: $397.85
- Recreation, Fun Stuff: $30.44
- Recreation, Stuff: $71.38
- Recreation, Newspaper: $28.80
- Recreation, Gifts: $31.29
- StT Work: Hosting (L&S): $29.97
- StT Work: Supplies: $210.00
- StT Work, Client Expenses: $66.00
Total Expenses = $7,010.63
Explanation of Expenses
An expensive month, although not as bad as last month. However, this month is really important as it is the month that we got a contract on the house. It came a week into April, actually on Easter Sunday, which was pretty cool. Less than three months to sell the home, once we got it on the MLS.
Some of these expenses will be high, because we bought some things to get ready for Full-Timing, and also because we put the house on the market, so have to keep it clean and with everything working. Also did a bit of advertising for the home so the costs show up for that as well.
Most of the stuff is pretty self explanatory as we were living in a house. There are just so many more expenses in a house than in an RV!
Spending a bit on food, as we go to a Wegman’s (really nice grocery store which we thought was cheaper, but really was not.) And a Costco. We usually buy most of our fruit and veggies as a Costco, and it is winter, not too much bought at a farmer’s market (not that there is one around here during the winter.) But looking at the lists, it seemed like we ate a ton of grapes, berries (totally out of season!) and drank lots of half and half. Of course that is not the real picture, but still, kind of interesting.
Out to eat: This month was more meals out, almost every day is a small purchase for food.
I got a pair of Crocs from Dicks sporting goods and got a couple of accessories to go with the Crocs. Now (2012) I get Crocs second-hand. To spend $30 on a pair of shoes seems crazed to me. Only when I have hiking boots will I go higher now.
The dreaded mortgage. It was not hard to pay, but it was large as you can see. And if you are not liking what you are in, then paying that large sum of money every month is a hard pill to swallow. Still have to pay the mortgage as we have not sold the house yet. Being under contract though, will mean making repairs on the house.
Utilities: OUCH, big bites taken out for things that we need during the spring. We had to make sure that the place is clean, lawn looking good etc. because we had 1. had it on the market and 2. we live in a HOA – Home Owner’s Association community. What this means is if you have anything out of the ordinary, you might get fined. If you have the grass turn to weeds and do not mow it, you can get fined. Or like us, we had a large size truck in the front of the house, and the mailman gets annoyed, putting little notes up on the truck. Not good, and one of the little annoyances that made it easier for us to leave…soon!
Washington Gas is for natural gas, Virginia Power is for electricity, and the HOA is for water, sewer, and garbage disposal. But for some reason, there was extra money spent for water and sewer. I can not remember why this was. Oh well. And then Verizon is what we used for DSL and a land line. But mostly for DSL. So the DSL number went down, I am not sure why, only that maybe we did not use as much? Don’t know.
Home Stuff: This was not really repairs but mostly paying for an Ad in the Washington Post for our estate sale. We were planning to have the House Sale of Stuff at the end of the month. So that meant massive amounts of advertising. However, I asked people during the sale, and most said they saw the signs posted in the neighborhood, and did not look at the newspaper. Sad but true. Waste of money at $574.66! The rest of the money was getting prepared for the House/Estate Sale: buying tags, stickers, and baby pins for the tags. As my parents and Aunt Tina and Uncle Joe had been in the business of Estate Sales, they were able to give us great ideas for selling the stuff. And my Mom came down to help us sell the furniture.
Sasha got a tool chest to put his major tools in for the RV.
So an inspection was done on the house. And the inspector found a couple of problems – the roof had a small hole, so that was $250, the AC unit needed to be cleaned out $78, a small window was broken and needed to be fixed $185, and something having to do with the electric outside line needed to be repaired, and that was $214. And we keep thinking, Can’t wait to get out, Can’t WAIT! But of course, we get the repairs done.
The car was in the garage, the truck in the street, the trailer was stored near Sasha’s work (for free), and the camper was stored in a storage facility. It was an outdoor parking spot, for $49.50 a month! However, the price went up to $54.50 so we were looking forward to getting it out of storage and not having to pay extra.
Tolls: I was going back and forth to work for my clients, and I was going through tolls, however, not as many as before.
We had to pay for gas of my car and diesel for the truck. I was starting to see the price of gas going up – from 2.44 a gallon to $2.85 within the month! NOT good.
The maintenance was for the oil change for the car.
And then the Camper:
Since we were going to be living in it during the summer, we needed to get an AC unit. When we had bought it back in 2005, we had done so in Colorado. A place were you do not need AC. But here in the Washington DC suburbs, you definitely do. So $862.19 later – we got the AC / heater unit put in by Camping World. They would try to stick us with an extended warranty, and we said no. And after working with them for this unit, I would suggest not buying anything from them again. They make their money from those extended warrenties more than from anything else.
Was for my phone, my cell phone that I used for work.
I pay for my health insurance, as a small business owner I do not have a group plan and it is cheaper to do it as my own health insurance than go on Sasha’s plan. I also got some work done on me, making sure I was healthy and fit. It meant more out of pocket expense, but in the end, it was worth it. So even having health insurance, you still have to pay out of pocket expenses, of what the insurance does not cover. Sad but true.
The fun stuff was really software called Deduction software. It was used because we gave a ton of stuff away in 2007 and 2006. So we used it to figure out our taxes and deductions that we would have.
We also bought some stuff, of which I have no idea. But it came from Ebay, Craigslist and Walmart.
April is Lindsay’s Birthday, so we got her a pearl for her necklace and a few other things. And we got the Washington Post newpaper for a couple of months.
Sales Through Technology, my work: Most people separate out the expenses of their business with their home expenses, but as you can see, I was not spending all that much. I was figuring that within the next 6-9 months, I was not going to have a business anymore, as the real estate market was not doing so well, and I was already seeing clients that were not going to be around for much longer.
I was hosting a site that was the website of our house. 47651RhyolitePl.com was the website. So I paid for the hosting for that. I had virtual tours, pictures galore, and write-ups about it. Anyway, a good expense.
And there were always supplies, and more things to buy for the company.
Of course, hindsight is 20/20. But I am glad we saw the writing on the wall when we did, and decided to do something about it.
Check out May 2007: