Tidewater Home Improvement

True Overhead & Debt

Bank actuals · read from the register Oct 01, 2026 10:23

OCTOBER 2026 — bill days
MTWTFSS
tap a day to light it · tap a bill to pop it on this calendar · tap a section header
Doors-open cash need
$16,753.62/mo
Operating overhead
$16,149.75/mo
Debt service
$5,340.84/mo
Required @ $1k/wk draws
$24,753.62 · 7.9 jobs
Required @ $6k each
$28,753.62 · 9.2 jobs

Item index

Every line behind the category totals — tap an item to jump to its bill, invoice or pay link

1 INSURANCE
1AWorkers Comp — TWVA0001103801bill · invoice · pay ↓802.62
1BGeneral Liability — BGVA0031852601bill · invoice · pay ↓101.17
1CWorkers Comp premium audit8 left, due the 14thbill · invoice · pay ↓1,530.55
1DNational General — vehiclebill · invoice · pay ↓1,656.48
1EGeico12 monthly payments x $746.40 = $8,956.80/yr (semi-annual policy, billed monthly)bill · invoice · pay ↓746.40
1FErielast paid Sep 2025bill · invoice · pay ↓9.16
2 VIRTUAL ASSISTANTS
2ARemitly — Faithbill · invoice · pay ↓825.00
2BRemitly — Joycebill · invoice · pay ↓825.00
2CRemitly — Aprilbill · invoice · pay ↓575.00
3 SOFTWARE / WEB / OFFICE
3ASquarespacebill · invoice · pay ↓117.60
3BDialpadbill · invoice · pay ↓36.48
3CMyFicobill · invoice · pay ↓39.95
3DClickUp$24.56/mo + $324/yr annual (11/17/25)bill · invoice · pay ↓51.56
3EHostingerbill · invoice · pay ↓20.19
3FMomento360bill · invoice · pay ↓24.00
3GTello USbill · invoice · pay ↓13.22
3HAmazon Primebill · invoice · pay ↓5.99
3IWave Probill · invoice · pay ↓19.00
3JOffice suppliesvariablebill · invoice · pay ↓64.91
3KICI fee — Newport Newsbill · invoice · pay ↓29.50
3LIntuit QuickBooks Onlinemonthly · ABNB 052 · live 8/4/26bill · invoice · pay ↓38.00
4 BOOKKEEPING
4AReyna — bookkeeping retainerbill · invoice · pay ↓175.00
4BReyna — extra invoicesbill · invoice · pay ↓194.17
4CBank fee from a Reyna paymentbill · invoice · pay ↓2.92
5 MARKETING
5AFacebook / Meta Adsbill · invoice · pay ↓483.22
5BFresh Look Web Designbill · invoice · pay ↓56.06
5CCraigslist Adsbill · invoice · pay ↓33.75
7 VEHICLE & AUTO
7BPARTS38 chargesbill · invoice · pay ↓274.30
7CTIRES4 chargesbill · invoice · pay ↓237.90
7DSERVICE / REPAIR6 chargesbill · invoice · pay ↓91.84
8 TOLLS
8AE-ZPass VA top-ups — 5 per year x $420$2,100/yrbill · invoice · pay ↓175.00
9 DMV / FEES
9ADMV — Hampton CSC3 chargesbill · invoice · pay ↓797.46
9BCity of Hampton — vehicle/personal property fees4 paymentsbill · invoice · pay ↓1,878.94
9CCity Treasurer — Portsmouth8/27/2026bill · invoice · pay ↓50.00
9DCity of Hampton — business license (757 Coastal #134107)5/27/2026 · $86.69/mo · ABNB 052bill · invoice · pay ↓1,040.24
9ECity of Norfolk — PP delinquent vehicles + business license$1,419.49 + $31.53 fee · 7/1/2024 · $120.92/mobill · invoice · pay ↓1,451.02
9FCity of Newport News — 8/12/2026ledger tagged Office · $83.33/mobill · invoice · pay ↓1,000.00
9GCity of Newport News — 8/25/2026ledger General Business · $83.33/mobill · invoice · pay ↓1,000.00
10 CREDIT CARD MINIMUMS
10ACapital One …5939bill · invoice · pay ↓122.00
10BCapital One …0250bill · invoice · pay ↓200.00
10CCapital One …8856bill · invoice · pay ↓200.00
10DTD Bank Cardbill · invoice · pay ↓150.00
10EABNB business Visabill · invoice · pay ↓133.00
10FApple Cardbill · invoice · pay ↓300.00
10GWells Fargo …4117bill · invoice · pay ↓14.52
10HBayport (Mastercard)bill · invoice · pay ↓294.00
10ILangley FCUbill · invoice · pay ↓300.00
10JChase …Sandrabill · invoice · pay ↓500.00
10KABNB Sandra (bank)bill · invoice · pay ↓200.00
11 MORTGAGES
11A610 Worster Ave — CV3 Financialserviced by Shellpoint (was CV3); drafts the 1stbill · invoice · pay ↓1,557.27
11B5829 Jefferson Avebill · invoice · pay ↓2,000.00
11C414 Worster Avebill · invoice · pay ↓750.00
12 CAR LOANS
12A2020 Silverado — Wells Fargo ACHbill · invoice · pay ↓717.26
12BToyota Tacomabill · invoice · pay ↓700.00
12CChevrolet (Ludy)bill · invoice · pay ↓800.00
13 OTHER PROPERTY / INVESTMENT LOANS
13B708 Lancaster St — Winning Solution ACHbill · invoice · pay ↓1,425.00
13C1219 Strand Stbill · invoice · pay ↓0.00
13DRock Harbor Group LLC (loan 7946)bill · invoice · pay ↓1,502.32

Reserves — money to hold, not bills to pay

Repairs, toll refills and annual city bills have no due date, so fund them every month: $1,380.51/mo total. These are already inside categories 7, 8 and 9 — funding them is not extra overhead, it is how you stop a repair from landing on a card.

R7
VEHICLE & AUTO — parts, tires, service/repair$604.04/mo
fund every month on the 1st · when a repair hits · actual last 12 mo: 7,248.44 · 48 chargesalready inside category 7 vehicle & auto — not extra
held, not billedopen the category
R8
TOLLS — E-ZPass top-ups + Elizabeth River Tunnel$175.00/mo
fund every month on the 1st · balance low → $420 top-up · actual last 12 mo: 1,965.31 · 13 chargesalready inside category 8 tolls — not extra
held, not billedopen the category
R9
CITY / TAX / LICENSE FEES — Hampton BL, DMV, city$601.47/mo
fund every month on the 1st · annual bills land once a year · actual last 12 mo: 7,217.66 · 13 chargesalready inside category 9 DMV / fees — not extra
held, not billedopen the category

Part 1 — Operating overhead

What it costs to keep the doors open every month

1INSURANCE$4,846.38/mo
1A Workers Comp $802.62 + 1B GL $101.17 + 1C WC audit $1,530.55 + 1D National General $1,656.48 + 1E Geico $746.40 + 1F Erie $9.16
bank actual · $58,156.56/yr
2VIRTUAL ASSISTANTS$2,022.32/mo
2A Faith $825 + 2B Joyce $825 + 2C April $575
bank actual · $24,267.79/yr
3SOFTWARE / WEB / OFFICE$430.90/mo
3A Squarespace $117.60 + 3B Dialpad $36.48 + 3C MyFico $39.95 + 3D ClickUp $51.56 + 3E Hostinger $20.19 + 3F Momento360 $24 + 3G Tello $13.22 + 3H Prime $5.99 + 3I Wave $19 + 3J Office supplies $64.91 + 3K ICI $29.50 + 3L Intuit QBO $38
bank actual · $5,170.80/yr
4BOOKKEEPING$372.08/mo
4A Reyna retainer $175 + 4B extra invoices $194.17 + 4C bank fee $2.92
bank actual · $4,465.00/yr
5MARKETING$573.03/mo
5A Facebook/Meta $483.22 + 5B Fresh Look $56.06 + 5C Craigslist $33.75
bank actual · $6,876.36/yr
7VEHICLE & AUTO$604.04/mo
7B PARTS $274.30 + 7C TIRES $237.90 + 7D SERVICE / REPAIR $91.84
bank actual · $7,248.48/yr
8TOLLS$175.00/mo
8A E-ZPass VA top-ups — 5 per year x $420 = $2,100/yr
budget basis · $2,100.00/yr
9DMV / FEES$601.47/mo
9A DMV Hampton CSC $797.46 + 9B City of Hampton vehicle fees $1,878.94 + 9C City Treasurer Portsmouth $50 + 9D City of Hampton business license $1,040.24 + 9E City of Norfolk PP delinquent + business license $1,451.02 + 9F City of Newport News $1,000 + 9G City of Newport News $1,000
bank actual · $7,217.66/yr
11MORTGAGES$4,307.27/mo
bank actual · $51,687.24/yr
12CAR LOANS$2,217.26/mo
bank actual · $26,607.12/yr

Part 2 — Debt service

Cards and the other loans

10CREDIT CARD MINIMUMS$2,413.52/mo
10A–10K — eleven cards, minimums due
bank actual · $28,962.24/yr
13OTHER PROPERTY / INVESTMENT LOANS$2,927.32/mo
13B Lancaster $1,425 + 13D Rock Harbor $1,502.32
bank actual · $35,127.84/yr

Part 3 — What you actually need

Doors-open + owner pay, at $3,116 average profit per job

PART 3 — WHAT YOU ACTUALLY NEED
Operating overhead (1–5, 7–9, 11, 12)16,149.75
Debt service (10, 13)5,340.84
Less: rent you collect-4,736.97
→ DOORS-OPEN CASH NEED16,753.62
Owner pay — current draws ($1,000/wk each)8,000.00
→ REQUIRED PROFIT / MONTH (current draws)24,753.627.9 jobs
Owner pay — target ($6,000 each)12,000.00
→ REQUIRED PROFIT / MONTH (target pay)28,753.629.2 jobs
Your 2026 average profit per job3,116.00