Stick&Brick Financials – March 2007

The Finances of Living in a Stick & Brick – March 2007

Winter in a House – March 2007 – Working diligently to sell the house (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 March 2007

  • Food and Household: $270.56
  • Out to Eat: $158.84
  • Clothing, Extras: $16.75
  • Shelter, Mortgage: $1.969.57
  • Shelter, Hotels: $49.95
  • Utilities, Lawn Care: 90.00
  • Utilities, Washington Gas (Natural Gas): $191.79
  • Utilities, Virginia Power (Electricity): $97.67
  • Utilities, Verizon Phone/DSL: $85.91
  • Utilities, Water & Sewer: $68.01
  • Utilities, HOA (Trash): $54.65
  • Household, Equipment: $122.71
  • Household, Services: $95.00
  • Transportation, Tolls: $3.00
  • Transportation, Car Gas: $95.09
  • Transportation, Diesel: $312.15
  • Transportation, Camper Storage: $49.50
  • Transportation, Camper Insurance: $557.94
  • Transportation, Camper Registration: $16.00
  • Transportation, Bought ATV & MotorBike: $9,365.83
  • Communication, Cell Phone: $63.40
  • Communication, Postage: $100.19
  • Health, Insurance: $131.00
  • StT Work: Marketing: $478.65
  • StT Work: Supplies: $181.57
  • StT Work, Hosting StT Website: $66.93
  • StT Work, Client Expenses: $66.00

Total Expenses = $14,758.66

Explanation of Expenses

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!

WOW this was a most expensive month. We had bought an ATV for me last year and we were able to get a one year no interest loan for the ATV – so we thought, one year no interest, and we could put that money in the back and make money off of it. Then pay it off when it was due, no interest. Worked out but still, made the amounts for the month look HUGE!

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!

Food: 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, and we went on a little trip too, and spent a night in a hotel. Where and why, I am not sure, can not seem to find the information from any of my website pages.

Clothing: I had gotten a LL Bean gift card and so I spent it on clothes, but I guess I went over, and so that was the rest of the money.

Shelter: 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.

Motels: we went to South Carolina for Sasha’s Enduro Bike. We figured since I had an ATV, might as well have a bike that would be for off-road for Sasha. Little did we realize that we would not do too much off-roading. Oh well, live and learn.

Utilities: OUCH, big bites taken out for things that we need during the winter. So while the “lawn care in the winter” really was not the winter, but pre-paid for three months. I guess we figured we would hopefully have the house sold by then. 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 HOA and DSL numbers will stay the same until we move out.

Household: So the equipment? It was mulch that we bought from the Boy Scouts in the neighborhood. We usually buy from them every year. And we also got some flowers to put in the front of the house to spruce up the yard. Always thinking of the sale here!

Services: For just once this month, we had maid service. We had to keep the place spotless to showcase the home and I am just not good at that. But just so you understand, wood floors on the first story, carpet on the second, and they did windows too!

Transportation – with a car and a truck, plus a trailer and camper, that is a bunch of “vehicles”. 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! Peace of mind is what we were thinking. And there is no room for it at the house. If we were getting grief for having a truck in the street then you could only imagine what it would be like for the camper!

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 for several fill ups since we were going down to South Carolina to buy Sasha’s Enduro Bike.

The insurance I believe was for all of the vehicles that we had, and the registration was for Sasha’s new bike.

And we paid off the ATV loan of $5,231.25 and bought Sasha’s bike for $4,060 which was found on ThumperTalk website and was through a second hand party. We were figuring we would go on more trips with these vehicles ultimately.

Communication: Was for my phone, my cell phone that I used for work. And we had some postage as we were selling fools, selling tons of books, CDs and other things during this time, using Ebay and Amazon mostly.

Health: 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 guess Sasha did not get a hair cut this month, so no expense.

Recreation: No recreation this month, but if you count going down to South Carolina as recreation well then you would put in the diesel, hotel, and food to go. And of course, the motorcycle.

StT Work: 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.

Yet I was still doing the Marketing and stuff, because I wanted to sell the house. And this month was a doozy because we did a big event, and I bought wine for that event. I did get reimbursed but still, the outlay of cash was high. Plus I was doing some serious marketing as well, both for my business and for the house.

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 April 2007: Working diligently to sell house, received contract on Easter Sunday, April 8th!!

…..


One thought on “Stick&Brick Financials – March 2007

  1. Pingback: Stick&Brick Financials – February 2007 – Laura-n-Sasha

%d bloggers like this: