Still waiting to talk to the grandmother about the land. You are right, George, easements can be written into the deed. Good point. Will know more once we get to visit with her, without the aunt around, find out what she really wants to do. She'll be turning 76 this year and built her home with her late husband over 40 years ago. I want to find out if she truly is considering moving or is being pressured. All good. I am okay where we're at for a while. Still cheap living.
Budget-wise, guess I'll post some numbers, see if anyone has any suggestions for things to work on.
WHAT WE PAY ON MONTHLY:
Lot rent: $180 monthly, includes water/trash/sewer
Electric: $250 monthly average, goes down in winter, up in summer. Rural electric, we pay higher rates than city, older mobile home
Gas: $30 monthly average, goes up in winter, down in summer.
Internet: $66 monthly, only service available out here, a bit better package to stream since we don't have tv service
Car ins.: $80 monthly, 3 vehicles liability, I pay twice yearly to save $$
Cell phone:$60 monthly, 3 prepaid cells, no contract, no data, unlimited talk and text on towers in range, discounted multi-line
Vision ins. $32 monthly, stepson has medical need, born with eye defect
Netflix: $8 monthly, entertainment
Car gas: $120 monthly, working on getting this down
Amazon: $8 monthly average, prime for free shipping and entertainment
Blow: $100 monthly, 2 hour trip to see grandson, keep hubby peace, etc. can work on this if absolutely need to
Clothing: $10 month, maybe. Thrift store a few times a year
Taxes: $41 monthly average, includes mobile home and 3 vehicles
Total Average monthly expenses: $985
Seems pretty low, but I'm always looking at ways to cut more. Some of this will come down when stepson goes off to school, and he'll start picking up his share of car expenses now that he's working. And I know what is missing on here, groceries. Since this is an extreme website, I hope I don't catch too much crap for it, we qualify for food benefits. I use all resources available, and we qualify. I qualified when single, reported change and they adjusted, still qualified. However, their estimation is way over, in my opinion. The way I shop and cook I spend way less than what they give us monthly, I buy actual ingredients and do not take advantage. Will make this stretch as long as possible, it is a resource I treat like any other. I really debated on whether to put this on here. Doing everything I can to get a leg-up. I hope I don't offend anyone.
Things we don't pay on:
Mortgage-own the mobile home
Vehicles-all bought with cash
Health insurance-dh will be looking soon when his runs out from previous employer, stepson covered through his mom, mine from subsidy
Well, this is how it looks, folks, from low-earners. Starting from scratching-to-get-by and going to FI. Long way to go!! I have a little more than a year to go before I'm done with school and income will improve, thank goodness. One step at a time, one step at a time....