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Old 05-17-10, 09:21 PM   #31
Peakster
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Here's what April's bills were:

Natural Gas - $89.23
Electricity - $36.64
Water - $49.92

Other expenses:

Cable/WiFi - $76.90
Telephone - $57.35
Insurance - $24.50
Condo Fees - $125.00
Property Tax - $106.69
Debt Interest - $438.48

Total April '10 Housing Costs: $1,004.71

Rent collection from roommates: $975.00

Monthly Deficit: $29.71

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Well it's getting hot outside so I just moved back into the basement and I'm renting out all 3 rooms upstairs again. I'm working hastily on paying off my borrowed money for the renovations (the new windows look great and seal much nicer!) Month of May should bring in $1,540/month in rental income and I'm moving to full time employment again this summer



Last edited by Peakster; 01-26-11 at 11:44 PM.. Reason: correction for increased insurance
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Old 06-16-10, 03:38 PM   #32
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Here's what May's bills were:

Natural Gas - $45.32
Electricity - $59.44
Water - $42.07

Other expenses:

Cable/WiFi - $79.10
Telephone - $44.91
Insurance - $24.50
Condo Fees - $125.00
Property Tax - $106.69
Debt Interest - $446.81

Total May '10 Housing Costs: $973.84

Rent collection from roommates: $1,540.00

Monthly Surplus: $566.16

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The bills are decreasing due to the summer months. Property taxes went up a bit as well as insurance as they typically do. The prime interest rate in Canada went up by 0.25% so there was a small increase in borrowing costs. I'm in the midst of attempting to refinance my mortgage with the renovation debt so I'll keep you informed
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Old 07-11-10, 09:55 PM   #33
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Default Babington style waste oil heater pumps

The cam gear pump works fine for filtered WVO or used motor oil Babington heaters and I have installed it on my Babington style heaters.
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Old 07-11-10, 09:57 PM   #34
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The only thing about the cam gear pump is that the
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Old 07-11-10, 09:58 PM   #35
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fire kind of pulses as the cam gear rotates. If you use the spur gear pump that is LDU's stock
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Old 07-11-10, 09:58 PM   #36
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LDU Company also has other parts that I use for building my waste oil burners,
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Old 07-11-10, 10:02 PM   #37
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like gear reduction motors. I find it best to turn the pump slower because you really don't need a whole lot of oil dripping on the atomizer ball.
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Old 07-15-10, 05:58 PM   #38
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Thumbs up Refinance went through!

Here's what June's bills were like:

Natural Gas - $32.60
Electricity - $60.39
Water - $41.20

Other expenses:

Cable/WiFi - $32.17
Telephone - $81.55
Insurance - $24.50
Condo Fees - $125.00
Property Tax - $109.26
Debt Interest - $383.83

Total June '10 Housing Costs: $890.50

Rent collection from roommates: $1,540.00

Monthly Surplus: $649.50

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Well I'm happy to announce that I refinanced my debts together with the mortgage so my total debt interest took a tumble (and will stay low for the next 3 years at least). Other than my roommate using my cell phone a lot this month & my property taxes inching up, things are have worked out beautifully!

Last edited by Peakster; 01-26-11 at 11:45 PM..
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Old 07-16-10, 06:06 AM   #39
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Thats great news Peakster. I'm in the same boat you are. We're also refinancing to get a lower interest rate. I'm going from 6.75% down to 4.25%. I'm also dropping from a 30 year to a 20 year, getting rid of PMI insurance, and the payment is still $70 less a month!
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Old 07-16-10, 02:16 PM   #40
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The power of refinance is awesome! I had line of credit debt that was going to shoot up in interest rate if I leave my job (which I'm planning on doing), so I had them paid out with the mortgage and closed them completely.

In my case I went with a 3 year fixed at 3.50% (my original mortgage was 4.39% fixed for 3 years 9 months), went from a 33 year amortization to 25 and now I just have one debt to worry about. With the extra cash-flow I'm stuffing the extra cash into savings and it feels good!


Last edited by Peakster; 07-16-10 at 02:26 PM..
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