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Ok, I've officially been reading agriculture stuff

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Matt from CT

04-27-2005 10:28:19

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You know, I'd read literature...

And it would talk about $1 here per acre, fifty cents there per head, etc...

Figuring out depreciation, insurance, etc...

It must be sinking in slowly, as I'm buying a '92 Volvo 240 sedan as a 'beater' to commute day-to-day to reduce the mileage on my truck (I put 36,000 a year on it, 24,000 of that is commuting...have a five year loan and a 100,000 mile warranty so you do the math :) )

And I've managed to create a whole spreadsheet that not only looks at the savings in gas from better mileage...to monthly costs like insurance, taxes, registration, etc.

(By the way, based on operating expenses, it'll come out somewhere between costing me $0.60 more a month to saving me $50 depending on what assumptions you make about mileage and gas prices!)

Oy, I've been reading up on the business side of farmin' too much!

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Ludwig

04-27-2005 13:35:27

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Re: Ok, I've officially been reading agriculture s in reply to Matt from CT, 04-27-2005 10:28:19

Its a kick isn't it? I got out of college and bought a nearly new truck, fortunately I got a relatively cheap apartment on which the rent has only risen $15 in 5 years.
During my first 3 years I struggled, not because I wasn't making enough but because I was spending too much and not paying any attention to where it was going. In my first job I didn't even pay into the incredibly generous 401k plan, that was just dumb.
Finally I started really looking at where my money was coming from and going and started whitling away at the expenses. Now this are pared down pretty good for recurring expenses, I just need to learn to quit buying stuff. Of course I make quite a bit more than I did when I was starting out but a penny saved is a penny earned. Not saying I should live like a monk but my wife and I want to buy a house, one some land not a postage stamp, with a garage, and that'll take some money and planning...

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Mike (WA)

04-27-2005 12:28:39

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Re: Ok, I've officially been reading agriculture s in reply to Matt from CT, 04-27-2005 10:28:19

When figuring the savings, you should only consider the variable costs (fuel, more frequent maintenance, tires, etc.) and not fixed costs like interest, insurance, taxes, or depreciation. Those costs go on whether you drive the rig or not, so you won't save anything by parking it and driving the beater.

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Ludwig

04-27-2005 13:31:15

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Re: Ok, I've officially been reading agriculture s in reply to Mike (WA), 04-27-2005 12:28:39

But you would by replacing a new truck with an older one. When I paid off my Dakoter and dropped most of the insurance I was shocked by how much more money I had hanging around, no car payment and way less money on insurance. I shoulda been smart and not bought an almost new truck right out of school. I spend (after the loan and all) $18,000 plus the extra insurance. Should have bought something in the $8,000 range (had to have something the old truck was dying fast) and saved my money, could have paid off my school loans by now.

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Errin OH

04-27-2005 11:21:27

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Re: Ok, I've officially been reading agriculture s in reply to Matt from CT, 04-27-2005 10:28:19

Sinkin in??

Hit me like a rock.

Drove a $50 beater for 6 months and took savings and bought a new car (down pay). Even after I pay tax, ins, and such I'll be $5000 ahead over 4 years (term on car) and get t'a drive a new car.

40,000 yearly commute / 11mpg x $2 avg = $7200 40,000 yearly commuite / 32mpg x 2 avg = $2500

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