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Sandy55
My family ROCKS!!!
Member since 2/08 1219 total posts
Name:
Sandy
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House Expenses...what are they?
ok..so I know what our mortgage payment will be with taxes and insurance.
Can someone give me an idea of what other monthly payments go towards a house? I want to make sure we're ok before we take the house plunge!
I already know:
I have Cable $120
Electric?
Oil?
what else?
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Posted 4/22/08 10:01 AM  |
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bicosi
life is a carousel
Member since 7/07 14956 total posts
Name:
M
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Re: House Expenses...what are they?
mortgage payment
taxes
insurance
landscaping
water
electric
phone
cable/satelite
internet
oil/gas
pool maintenance
alarm (eta. I pay it yearly that's why I forgot to add it lol)
and whatever other personal expenses you need to include.
Message edited 4/22/2008 10:20:00 AM.
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| Posted 4/22/08 10:05 AM |
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Sandy55
My family ROCKS!!!
Member since 2/08 1219 total posts
Name:
Sandy
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Re: House Expenses...what are they?
Posted by bicosi
mortgage payment
taxes
insurance
landscaping
water
electric
phone
cable/satelite
internet
oil/gas
pool maintenance
and whatever other personal expenses you need to include.
Thank you!
do you know about how much oil costs each month?
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| Posted 4/22/08 10:07 AM |
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bicosi
life is a carousel
Member since 7/07 14956 total posts
Name:
M
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Re: House Expenses...what are they?
I have oil in my NY house and I never paid on a monthly plan. We put a brand new burner in so we just paid for a service contract with a local company (around 195 for the year) and we got COD fill ups. (it was cheaper that way)
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| Posted 4/22/08 10:09 AM |
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beautyq115
New Year!
Member since 5/05 13729 total posts
Name:
Me
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Re: House Expenses...what are they?
What aren't they
Oil
Telephone/Internet/Cable
Water (very minimal)
Electric
Alarm
OH almost forgot...Mortgage...how could I forget
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| Posted 4/22/08 10:10 AM |
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Mrs-D-Girl
Love my fur baby
Member since 8/07 5183 total posts
Name:
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Re: House Expenses...what are they?
Posted by Sandy55
Posted by bicosi
mortgage payment
taxes
insurance
landscaping
water
electric
phone
cable/satelite
internet
oil/gas
pool maintenance
and whatever other personal expenses you need to include.
Thank you!
do you know about how much oil costs each month?
In the winter, mine was about $500 every 5 weeks (that was based on $2.89). It is really expensive now.
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| Posted 4/22/08 10:13 AM |
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ali120206
2 Boys
Member since 7/06 17792 total posts
Name:
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Re: House Expenses...what are they?
All of the above plus we have to pay for garbage as well since it's not through the town (it equals out to about $25/month).
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| Posted 4/22/08 10:32 AM |
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JldDolphin
Member since 1/07 6929 total posts
Name:
Jen
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Re: House Expenses...what are they?
but also don't forget about
car payments
car insurance
gas for the cars
credit cards
loans you already have
misc expenses on a weekly or monthly bases.
Oh the fun of owning a house. 
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| Posted 4/22/08 10:47 AM |
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nicrae
He's here!
Member since 12/06 9289 total posts
Name:
Mommy
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Re: House Expenses...what are they?
and landscapers or the cost of lawn care materials
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| Posted 4/22/08 11:06 AM |
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Sandy55
My family ROCKS!!!
Member since 2/08 1219 total posts
Name:
Sandy
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Re: House Expenses...what are they?
Posted by JldDolphin
but also don't forget about
car payments
car insurance
gas for the cars
credit cards
loans you already have
misc expenses on a weekly or monthly bases.
Oh the fun of owning a house.
Yeah..and the fact that the LIRR commute will increase from 213 a month to 278 a month makes me feel even better too!
DAMMIT!
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| Posted 4/22/08 11:35 AM |
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MrsRbk
<3 <3 <3 <3
Member since 1/06 19197 total posts
Name:
Michelle
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Re: House Expenses...what are they?
And don't forget all the unexpected expenses that come with owning a home!
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| Posted 4/22/08 11:48 AM |
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LemonHead
Sour Girl
Member since 3/08 5271 total posts
Name:
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Re: House Expenses...what are they?
Posted by MrsRbk
And don't forget all the unexpected expenses that come with owning a home!
Great advice- the day after we closed- our cesspool collapsed!!!
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| Posted 4/22/08 12:38 PM |
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MrsBlueSash
Love my sailor
Member since 6/05 5793 total posts
Name:
Christian
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Re: House Expenses...what are they?
Posted by MrsRbk
And don't forget all the unexpected expenses that come with owning a home!
This is key. Annual maintenance like hot water heater flushes, gutter cleaning, HVAC inspection, chimney cleaning, carpet cleaning (if you have carpet), caulking, any extermination necessary, landscape maintenance (mulch, plants, seeding, equipment) sealing the deck when needed, alarm system if you need one, home owners assoc. fees, powerwashing, dryer vent cleaning....stuff like this. Much of it you can do yourself for less, but none of it is free.
Message edited 4/22/2008 2:12:07 PM.
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| Posted 4/22/08 2:11 PM |
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MrsRbk
<3 <3 <3 <3
Member since 1/06 19197 total posts
Name:
Michelle
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Re: House Expenses...what are they?
Posted by faithann
Posted by MrsRbk
And don't forget all the unexpected expenses that come with owning a home!
Great advice- the day after we closed- our cesspool collapsed!!!
Yup! First year in our house we had to put a new roof on part of the house, they found alot of rotted wood around our front window that was not there during inspection. We ended up having to put an indoor french drain and sump in our finished basement (basement had been newly finished when the house went on the market).
Our first year alone in the house just for surprise repairs, we put in almost $30k! 
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| Posted 4/22/08 2:32 PM |
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Sandy55
My family ROCKS!!!
Member since 2/08 1219 total posts
Name:
Sandy
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Re: House Expenses...what are they?
Posted by faithann
Posted by MrsRbk
And don't forget all the unexpected expenses that come with owning a home!
Great advice- the day after we closed- our cesspool collapsed!!!
You're KIDDING!! Wow...that's shittyy! no pun intended.
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| Posted 4/22/08 3:46 PM |
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MrsYank
She's here :)
Member since 4/07 3238 total posts
Name:
Mrs. Yank
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Re: House Expenses...what are they?
Homeowners Insurance
and we paid about $178 this year for oil- for a 3 bedroom Ranch budget plan
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| Posted 4/22/08 5:08 PM |
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bicosi
life is a carousel
Member since 7/07 14956 total posts
Name:
M
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Re: House Expenses...what are they?
Posted by MrsYank
Homeowners Insurance
and we paid about $178 this year for oil- for a 3 bedroom Ranch budget plan
you only paid $178 for the entire year! WOW!
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| Posted 4/22/08 5:23 PM |
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TJLealand3
LIF Adolescent
Member since 6/07 839 total posts
Name:
Thomas
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Re: House Expenses...what are they?
I want to make a suggsetion, if at all possible try to get a home with Natural gas. We had oil and converted to Natural gas, last year was 500 a month for oil, this year was less than 200 a month for gas.
The burner will pay for itself in no time.
No deliveries and who knows where oil prices will be next winter.
Just My Opinion!!!!!
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| Posted 4/22/08 8:11 PM |
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itkocak
Member since 7/07 7639 total posts
Name:
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Re: House Expenses...what are they?
Message edited 11/18/2011 3:48:11 PM.
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| Posted 4/22/08 8:47 PM |
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MSeid
LIF Adolescent
Member since 11/05 805 total posts
Name:
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Re: House Expenses...what are they?
Plan for the "unexpected" expenses as well. Such as weddings/showers/engagements/birthdays/christenings, plumbing, appliances breaking, gutter cleanings, seasonal items, etc.
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| Posted 4/23/08 8:09 AM |
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MSeid
LIF Adolescent
Member since 11/05 805 total posts
Name:
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Re: House Expenses...what are they?
Posted by TJLealand3
I want to make a suggsetion, if at all possible try to get a home with Natural gas. We had oil and converted to Natural gas, last year was 500 a month for oil, this year was less than 200 a month for gas.
The burner will pay for itself in no time.
No deliveries and who knows where oil prices will be next winter.
Just My Opinion!!!!!
ITA!
Our gas bill was no more than $128 the WHOLE winter.
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| Posted 4/23/08 8:10 AM |
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MrsFlatbread
Skinny jeans are in my future
Member since 6/06 10258 total posts
Name:
Baby Momma
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Re: House Expenses...what are they?
Posted by faithann
Posted by MrsRbk
And don't forget all the unexpected expenses that come with owning a home!
Great advice- the day after we closed- our cesspool collapsed!!!
the weekend we did, the bathroom pipes burst a leak through the kitchen ceiling!!
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| Posted 4/23/08 8:13 AM |
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rkoenke
my little piggys
Member since 3/08 4315 total posts
Name:
rachel
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Re: House Expenses...what are they?
Don't forget about SEWERS (if it applies in your neck of the woods).
water.
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| Posted 4/23/08 8:13 AM |
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MrsFlatbread
Skinny jeans are in my future
Member since 6/06 10258 total posts
Name:
Baby Momma
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Re: House Expenses...what are they?
Posted by MSeid
Posted by TJLealand3
I want to make a suggsetion, if at all possible try to get a home with Natural gas. We had oil and converted to Natural gas, last year was 500 a month for oil, this year was less than 200 a month for gas.
The burner will pay for itself in no time.
No deliveries and who knows where oil prices will be next winter.
Just My Opinion!!!!!
ITA!
Our gas bill was no more than $128 the WHOLE winter.
I agree with this!! Gas is much cleaner!!!
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| Posted 4/23/08 8:14 AM |
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JldDolphin
Member since 1/07 6929 total posts
Name:
Jen
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Re: House Expenses...what are they?
Posted by MrsFlatbread
Posted by MSeid
Posted by TJLealand3
I want to make a suggsetion, if at all possible try to get a home with Natural gas. We had oil and converted to Natural gas, last year was 500 a month for oil, this year was less than 200 a month for gas.
The burner will pay for itself in no time.
No deliveries and who knows where oil prices will be next winter.
Just My Opinion!!!!!
ITA!
Our gas bill was no more than $128 the WHOLE winter.
I agree with this!! Gas is much cleaner!!!
I agree too. We converted to gas before we even moved in. So glad we did. Our gas was was a little over $200 for the winter. We use gas for heating and cooking.
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| Posted 4/23/08 9:42 AM |
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