Mortgage Monday: The Small Things

Orkin may have gone overboard... 

Summer is now upon us and my wife and I have been busy picking up things here and there for the house and for the yard. So far the tractor has been running well and the other gas powered tools have been taking care of the rest of the property. Now it is time, at least for the outside items, to round out the things that we need to maintain our little piece of land. This includes all of the trimming items as well a ladder, saw, sledgehammer, and axe. You would be surprised by how useful the last two items are around the property.

Many of the other items that we have picked up or ordered lately have been more about the comfort and convenience around the house. Having a hammock in the back yard is not something that we need but with the deal that I found at one of my usual online stores it was well worth the nominal cost. Plus it completes the collection that we now have on the patio which includes a dining set and a couple of Adirondack chairs. Not something that we will use every day but relaxing when we get the chance.

In the house there have been a few upgrades lately including a new crock pot and coffee maker (nearly free when we combined the clearance price with an old gift card at Macy’s). Also added in the mix was a new microwave that fills the space that was designed into the kitchen layout. Our last one was struggling a bit and, again, a good sale price was found. Beyond those few things, everything else was pretty much purchased for our son as he is growing out of many of the products that we have been using for months (i.e. new sippy cups and utensils).

And with the first days of summer now heating up the landscape, we are also better protected now that we have had Orkin come out and do some preventative work and some mole remediation. While we haven’t had any insect problems beyond the few stragglers here and there, I would rather have the reassurance that it will not be an issue in the future especially with our son scurrying all over the house. Now, all the bugs and spiders know that this is not some place that they want to try and get into and the moles are digging their way away from the property (they were actually a real problem in the front and back yards).

So, let the summer begin. We have the tools and we have taken care of many of the things that we needed to in order to prepared for the weather. Now all that is left is to get all of the small projects completed followed by some larger tasks and we will be ready for years to come. That being the payoff, it is well worth making the investment now.

Mortgage Monday: The Next Purchases

Another purchase down and many more to go... 

Now that the lawn has been taken care of and the property is in a state where we can actually enjoy some time outside it is time to start looking for all the other things that we previously avoided. While there was some outdoor space at our last rental we pretty much didn’t spend any significant time outside on the small patio and opted to take advantage of the spaces maintained by the homeowners association. Of course, we didn’t really have the time to plan anything especially since we considered that place a stopgap.

While we previously bought a tractor and already had a few other items necessary to maintain the property (i.e. snow blower, rakes, trailer for the tractor, leaf blower, etc.) we have still been needing a few other things to round out the tool shed. And thanks to a $100 refund on the tractor, we did cover a few of those things by picking up a weed eater and other small items. However, that is only a small part of the long list of things that we need for our outdoor space. Thankfully, the other items are more about relaxation rather than work.

Having purchased a lot of furniture late last year just prior to settlement I am not really looking forward to buying any more but that is the situation that we are in now. Thankfully, this is a much smaller endeavor this time around as we are looking for something to complete the patio. While we have one adirondack chair out there now for relaxing and we will be purchasing another shortly, we need to find a decent table and chairs that is also toddler friendly. We did take a quick look at a few things this past weekend but didn’t end up buying anything… some of the options at the big retailers are really expensive!

This is going to be one of those searches that both needs to get done rather quickly but that is also going to require some online investigation and, possibly, some trips to various consignment stores and thrift shops. It all comes down to finding some outdoor furniture that will allow us to enjoy the outdoor space that we now have while, at the same time, keeping it budget friendly. After all, we have had a lot of expected and unexpected costs lately and we want to retain some semblance of financial sanity. This is not an unmanageable task and we are all looking forward to making the outdoors part of our home.

Mortgage Monday: Yard Work

As the rain continued to fall off and on and the grass kept growing longer and longer, I finally found the time on Saturday to head over to the local Tractor Supply and pick out a tractor. There are a couple of other places closer to the house where I could have bought something but I decided to give a different retailer a try based on the recommendations of family members. Being that this was my first time at the store, it was an interesting experience seeing all that they have available on the shelves… the retailer is much more like a traditional hardware store than the giants that you commonly see from the highway like Lowe's or Home Depot. I prefer going here from now on. While I was there for a tractor this time around, it is nice to know that I can stop by the store (about 15 minutes away from the house) if I were to need other items.

It didn’t take long before I found the Cub Cadet that was recommended to me via text message last week and within a few minutes I was working with someone to figure out warranties and a means to have it delivered to the house…. I can fit a lot of stuff in the Jeep but a tractor is not one of them. It was during this conversation when I asked if they knew of any local landscapers who would be able to give me a head start. Thankfully, the woman with whom I was speaking had a name on hand, her landscaper, and, better yet, he would be able to pick up and deliver the tractor for me too (for free!).

On my way home, I left a message with the landscaper and by the end of the afternoon we had coordinated a time for the following afternoon to evaluate what needed to be done. And, yes, I checked with my wife to make sure it was okay for him to stop by on Mother’s Day. After walking around the property, we both agreed to a very reasonable price with work to start the following day. While the rain today has prevented us from making any progress, the work will be done this week.

While it is going to cost us a bit more, having a four man crew come in for two days and take care of everything is well worth the investment. I have no problem maintaining but I simply don’t have the time to catch up on the yard work. And, hopefully, we will have someone we can call moving forward should we need any additional landscaping or handyman work done in the future. For now, we are really looking forward to seeing the property cleaned up and seeing our son enjoying some more time outside.  

Mortgage Monday: The Work Never Ends!

Or Both!

 While it has always been a constant project on our list of things to do, now that we own our own home, cleaning is something that I try to put greater emphasis on. And with so much more room than we have previously had in rentals, there is a lot of cleaning to do. It is a never ending list of things that need to be scrubbed, swept, washed, or rinsed. And that is just the things on the inside of the house.

Now that we have some property (and no management company), there is a lot of yard work that has yet to be done. While I should have taken care of many of these things immediately after settlement, it was a project that was quickly put on the back burner once the temperature got colder and the snow began to fall. After all, nothing like a fresh blanket of white to hide all the leaves still covering most of the planting beds.

We have been pretty good about keeping the interior of the house in relative order (organization is still lacking) but, now that the weather has turned warmer once again, all of the things that we have been putting off in the yard have to be addressed and, at this point, we are ill prepared to tackle the task. The first step is going to be buying a tractor and a better rake or leaf blower. After that it is all about setting aside the time to get things done.

However, the more I think about many of these things, the more I find myself considering hiring a cleaning and/or yard service company to take care of all these tasks. While it would undoubtedly add an additional line item on our budget, it may be worth the money so that we can spend more time with our son. After all, our schedules are still quite a bit hectic and blocking off another brick of time would be less than ideal. Definitely something to consider.

While the extra time and effort has been inconvenient at times, it is still well worth it as we are taking care of a place that we own rather than someone else’s property. It is important to remember that there are great things about being a homeowner and they definitely outweigh, by a large margin, the inconveniences, but it is not a utopian dream. There is work that comes with home ownership and also a sense of pride in caring for your property. Sometimes, though, you just have to figure out the best way to balance everything and we are definitely still working on that aspect.