On Sunday, Saint John received it’s first snowfall. And with that comes the task of clearing of said snow from walkways, stairs, driveways and decks. I was pooped after shoveling, only to have to clean up the house afterwords.
Each Sunday, I strip the tenants beds, wash linens and towels, vacuum, clean the bathrooms and basically restock toilet paper, hand towels and other common goods that are included with the rent. I’ve got it down to a science, after doing this for the last four months and it takes me about four hours from beginning to end to do the housekeeping chores. I look it at as my part-time job. I claim the income from the rentals and pay much extra for residential insurance as opposed to regular home insurance which will not cover you when you rent to more than one person within your own home. And I rent to up to three people at times. At the moment, I have two tenants; one long-term and one short-term and am hoping to have another tenant by mid-next week who is coming to Saint John from Montreal for a work contract.
By doing it by the book, I am able to claim a percentage of all cleaning supplies, toilet paper, heating, power, cable, internet, furniture, bedding etc that the tenants use. On top of that, because I run and operate a business within this home I needed additional business insurance and therefore can claim all related utilities, basically a 1/4 of the main floor of the house. I can claim about 4/5 of my home as business due to the rental and art business combined, and do pay dearly for the insurance of both. The paperwork of running two businesses is a another job unto itself!
I raised the rents from $125 per week to $150 per week as the expenses were a bit more than I initially calculated. However, when compared to other room rentals available within the city my rooms are on the higher end of renting but they are legal, clean, bright, spacious and well maintained.
And I guess, that is what matters.
Needless to say, come late Sunday night I was exhausted after shoveling snow for two and half hours and then cleaning house for four hours, as both are very labour intensive. I definitely do not need a gym membership.
Begin RANT – I was just today declined for life insurance. Don’t ever get Crohn’s disease and/or mental health or addiction issues as you will be declined if you are self-employed and single in Canada. This is frustrating. I can’t get health insurance and now life insurance to, unless I am employed by a company who offers group insurance or am married and under my partners plan. Thank god I live in Canada where at least health care is free. We do need to pay for dental, eye care and prescription drugs (which would be covered if you had insurance) but anything else is free. BUT STILL I’ve been in remission from Crohn’s for 12 freaking years and clean of addiction for four years! End RANT