I’m driving down to my mother’s house this morning to work on her roof. Over the years, the shingles have been overrun with moss, so my cousin and I are going to spend a couple of hours scraping the stuff off.
We could hire somebody to clean the roof for us, but this seems like an easy way to save a little money. The entire project reminds of a recent article from Liz Pulliam Weston at MSN Money. Last month, she highlighted five things it’s cheaper to do yourself. Weston writes:
You can make a good argument for hiring out certain tasks because it frees your time or because the person you hire will do a better job. In fact, people have. Author Timothy Ferriss turned the idea of outsourcing your life into a best-selling book, The 4-Hour Workweek. But when money is tight and you’re looking for places to cut, some of the places you’re outsourcing now should get a second look.
Here is Weston’s list of five things it’s cheaper to do yourself:
- Food preparation. “The simplest and fastest way for most folks to cut their budgets is to stop outsourcing food preparation,” Weston writes. Don’t pay for convenience. Learn to make your own meals. if you have the space, time, and inclination, then start a vegetable garden. Taking charge in the kitchen is a great way to save money and develop fun hobbies and skills. This is an area where Kris and I do well.
- Home improvement and repairs. You can’t do every home repair yourself. For some, such as non-trivial plumbing and electrical tasks, you need to bring in the professionals. But for many household projects, it can be satisfying and educational to do the work yourself. The trick is to learn the difference. This is another area where we do well — in this old house, we’ve learned to do our own basic home maintenance.
- Personal care. Some of Weston’s readers cut their own hair. Some women do their own manicures and pedicures instead of paying somebody else to do them. If you can’t do these things yourself, you may be able to find somebody you know who can help. When I was a poor college student, I “outsourced” my haircuts to a good friend, which freed up money for more important things. Like pizza.
- Laundry and tailoring. I used to know how to sew on a button. Also in college, I mended my own clothing — sometimes while watching football games with the guys! I haven’t done that in years. Now if something needs to be mended, I send it out. I’ve also become lazy about ironing. I iron my own clothes sometimes, but just as often, I take them to the cleaners.
- Lawn and home care. Cutting recurring costs for a cleaning service or lawn maintenance can be a great way to save money.
There are other things it’s cheaper to do yourself, such as basic car maintenance, computer maintenance, and tax preparation. You may have to take some time to learn how to solve your problem, but after you’ve done it once, it’s much easier in the future.
The first time I repaired a leaky faucet, it was a frustrating experience. By the third time, I knew what to expect, and actually almost enjoyed myself. And I certainly saved some cash by not having to call a plumber. (But I still don’t think it’s a good idea for me to cut my own hair.)
Have you found that it’s cheaper or more fulfilling to do certain things yourself instead of paying somebody else to do them? At what point does it make more sense to pay to have something done? Are there basic skills that the average person might learn that could pay off repeatedly in the long run?
Photo by Chimothy 27.
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Everyone always points out the same things. Lawn care being a big one. What do you do if you have a disability or medical condition that prevents you from doing any kind of hard labor like lawn care or home maintenance? Other then mentioning these same ways over and over what other suggestions besides those two are there? The others make sense, but if you are physically unable to do the other things there has to be some other suggestions.
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@Allen and Paul Williams
Sorry I forgot to mention that I am a full time University student, work 40 hours a week (including 3-11pm on Friday, Saturday, and Sunday), and have recently finally opened my own pf blog. (I am guessing your are not 2 of 50 people that visit a day lol)
For me time is very precious, any time I do not spend on my studies could potentially cost me a lot of money in the future. Therefore, any spare time I have after my work and school, I try to allocate to my hobbies (pf blogging) or spending time with family/friends. For me it makes no sense to add any additional stress to my life.
I see more value in focusing my efforts on what I truly enjoy rather than stressing about how to learn how to install windows (recent project around that house that was obviously outsourced) or how to cut my own hair.
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@Studenomics:
Ahh, but i would say that your “free time” is not actually free. this is time you need for studying, for preparing for your classes. In this case, it is an investment. Your time quite possibly _IS_ better spent studying for your exam then saving fifty dollars on a drippy faucet, i agree.
However, i belive you will agree, that you are in the minority.
Good luck with school!! [i need to figure out how to go back my own-self]
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We are good about not taking on recurring expenses. So we don’t hire people to clean our house or mow our lawn(s), etc. Although I would love to hire a cleaning service like all my friends – instead we live in a slightly messy house 80% of the time an we do the cleaning.
But when it comes to a one time expense I’m more likely to entertain the idea of paying a professional.
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I totally agree with you Sam. I would rather pay a professional company to install the windows one time properly (with a warranty of course) then have to worry at night if me and my brothers installed them properly.
@Allen
It is not easy but the secret is time management. One rule I am clearly not following at the moment as I am working on a presentation for school and at the same time reading pf blogs.
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For both of us, my husband and I found out that it’s cheaper to do certain things ourselves, and more important it’s more fulfilling and enjoyable to do things in our ways than having someone else does so. We fixed our plumbing system, changed the faucets, tiled the basement room, painted all interior walls, built a cat tree.. things like that around the house. The most crazy thing – in our opinions – that we did was to refinish the wood floor, i.e. sanded the floor with a rented Home Depot’s orbital sander machine, then put stuff on the wood. We saved a lot of money for doing it ourself
however it’s really a hard job.
We surely will not touch the electric system because the insurance company will not pay us in case our house burned down by the electricity failure.
We will not “DIY” our roof because our roof is really steep, too dangerous to just be on it.
So for things that require licensing like electricity, we will not DIY even though we know well enough about the system. We will not dare to risk our lives either, everything we do, we always assess our health factor first to decide whether we want professional helps or not.
In my opinion, taking care of ourselves well and responsibly (in health and wealth, now) is actually the best DIY project that surely will pay off repeatedly in the long run.
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I will need to disagree with post #9 that states that its great to learn from your mistakes. Yes it’s valuable for next time, but my cost you a lot in the short term.
Example: I needed to extend some copper pipes in a bathroom I am tearing out. I went to Home Depot 3 times in 4 hours and all I got for it trying to sweat copper was lighting the drywall on fire with the Bernz-O-Matic. One call to the plumber, 10 minutes, and 150 dollars later he was done.
Moral of the story was that I could have saved 4 hours of time, 40 dollars worth of supplies, a sheet of drywall, and some stress just by calling the plumber in the first place. So please take stock of what you are doing on some of these DIY projects before tackling them. You would feel pretty stupid trying to save 100 dollars and then burning your house down instead.
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I enjoy cutting my husband’s hair every few weeks with the electric shaver.
Also, I’m currently reading up on plumbing repairs. We have a leaky faucet, my mom has a leaky faucet, and a sink drain pipe is broken. Sure, I could call a plumber. But I’m trying to be more frugal, before I get to the point where I HAVE to be frugal. There are a lot of home repairs that I’m capable of doing, but am intimidated because the knowledge of what to do is not innate. So I’m trying to get comfortable with learning home repair skills.
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Time is money. Some people’s time is worth more than others(i.e what they do with that time). For example, we need a new roof. Now, my husband is a handy guy, but he has never put on a roof. He will have to research all the supplies he will need, go out and purchase those supplies. He will then put in untold hours on the job, hours he would normally be using for other things, like playing with the baby or watching football. He will inevitably find that he does not have the proper tool at some point in the middle of the project. He will end up tackling unforseen problems as they crop up becoming more and more frustrated and eventually cursing the person who invented houses in the first place. On the other hand, he could hire someone who already knows all about roofing, will be able to do it lickety split, handle problems, and finish the job with little or no frustration to us. My husband can work a few hours of overtime at his own job, which he is very knowledgeable about, and pay for the new roof. Which is the better choice? For us, it’s a no brainer.
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I used to spend $27 a month getting my eyebrows styled and waxed. I bought a $40 eyebrow stencil kit with tweezers, mirror and mascara from Sephora. Basically paid for the cost of 2 sessions with tip. I now maintain my eyebrow beauty myself.
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I’m short (5’0″) and it’s really hard to find pants that are the right length. I find pants that fit me on the waist/hips, then I alter the length myself with no sew hemming tape. It looks clean and professional, and I save a ton of money getting clothes altered to fit properly. Also works with hemming sleeve lengths.
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@Cathy – that is something I definitely wish I could do myself. Every time I tried in the past, I end up having to fill in bald eyebrow spots with a black pencil!
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@Carla – I couldn’t do it without the stencils as a guide, that’s for sure!
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Things I used to “have done” that I now do myself:
manicures (I buff my fingernails, now shiny and healthy!)
pedicures
hair color
facials
eyebrows
Not only do I save $$$ by doing these, I really enjoy doing them and have gotten very good at doing my own at-home spa days.
It’s also fun and cheap to concoct your own homemade beauty treatments, such as facial masks.
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Since I stay home, I do most of that stuff myself instead of paying someone. I have the time, if I manage my time well, and so it’s wiser to do it myself.
I often am disappointed in the quality of work that other people do, so that’s another reason I like to do things myself.
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It all comes down to the value of finite resources of time vs money. Of course that is personal, especially when you bring personal taste into the mix. My grandmother grew up in the depression and after she got married she refused to ever can again. EVER. They would have had to be back in depression type economy for her to consider it even if it would save her money. She did plenty of other money saving things that weren’t as distasteful to her.
Two things that no one seems to have pointed out is that you can do PART of a job and save quite a bit of money. For example: SJT, your husband doesn’t have to do a whole roof (though asphalt is quite straightforward for simple roofs). If he’s comfortable he could take a weekend and remove and dispose of the shingles (or whatever old roof material) on a weekend and save a bunch of money.
The second is that by habit we spend a lot of time doing things we don’t need to do. For example many people can cut out a load of laundry every week by not washing their towel after a single use, or through lack of planning needing an extra trip to the grocery or hardware store.
Another note specific to roofing: It can be dangerous, and that is why you can save a lot of money by doing it yourself [if you're comfortable], and in my experience it is very straightforward. The expense of roofing contractors is due to really high liability costs for their workers. DON’T let an under-insured contractor do your work to save money. Their work might be top notch but if anyone takes a fall you will be liable.
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We bought a RoboCut about five years ago, and have cut our own hair (the way we WANT it cut) a hundred times for that $50 investment. We didn’t even mind replacing it last year when it finally gave out.
If I hated the way it left my hair, it wouldn’t be worth it. But, even getting a cheap $15 haircut that I didn’t like felt like a huge waste of money, plus I had to go out and get it done = more time and money.
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One thing that always gets me is when people use the logic that “I’d rather be at work making money and pay someone else to do it than “lose” money by doing it myself”. The only problem with that is that logic is not always true. What do you do on the weekends? Many people have jobs that won’t pay you any more if you work on the weekend or won’t give you extra shifts etc. So if you do the repairs on the weekend, you do NOT have the option to “be making money at work while I pay someone else to do it” This may not work for a large job (you can’t roof a house by yourself on a single Saturday), but for many things, lawn care, faucet repair, oil change etc. You are not losing money as you don’t really have the opportunity to earn more money on the weekend etc. The only way this changes is if you want to factor in things like, I’d rather pay $X/hr for this task so I can play with my kids etc. But my main point is your employer will never pay you for working 24hrs a day, so you really only loose out on income if you do repairs during your normal working hours.
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@Brett:
There is the possibility of trading chores with neighbors. Maybe someone is in a wheelchair, but they are good at stiching.
or you can buy a remote controled lawnmower.
http://www.youtube.com/watch?v=l8Wz_OXJfyg
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I think what this boils down to is a matter of preference on each of our part. If there are things that you enjoy to DIY and you have the skills and equipment with which to do it, it will generally save you money, but you offset it with your time. If you consider your time to be worth more than your money, even on weekends when you are not technically working for income, I can certainly understand why you would prefer to outsource certain tasks, such as plumbing or yard maintenance. Another large factor in all of this is your amount of disposable income – as previously mentioned, many people simply cannot afford to pay someone to do a job they know how to do themself but find odious, like ironing or pet grooming. If you can afford it and you find it personally worth it to pay the money and not have to do the job, good for you. Each to his own.
The only thing I really would emphasize that IS better to DIY in almost every single case is cooking. I can understand if you simply don’t have time on some days, but cooking at home can be a very pleasurable experience. Not only are your meals significantly cheaper than eating out, they are generally healthier, you know exactly what ingredients went into them, and you can make whatever your heart desires. Also, cooking is EASY. As my grandmother always told me, “If you can read, you can cook.” As long as you follow a recipe, you really cannot go wrong, even if you are a beginner. And the best part is, even if you ARE a beginner, you don’t even need to buy a cookbook to find amazing recipes. There are tons of websites that offer thousands of recipes for FREE, along with databases where people can upload their own recipes and members of the community can comment and give a rating.
So, I guess my bottom line is – outsource whatever you want if you can afford it, but even if you CAN afford it, give a chance to not oursourcing your cooking! It really does save an incredible amount of money.
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This is obviously an area where different people are going to have different abilities and priorities.
I would add that our abilities, needs, attitudes, situations, and resources can change dramatically over time. Don’t assume that you hate doing something because of a years-old experience, and don’t assume that you can’t get a job done for an appropriate price if you haven’t checked around in a while. Technology has made some jobs a lot faster and easer (cheaper by a pro or simpler for a novice) than they used to be. You might also find that you enjoy doing some tasks that you didn’t before.
In our first house, we were able to latch onto our neighbors’ gardener for a pittance, but I enjoy doing our own lawn mowing and snow shoveling myself (with iPod attached). I started out getting my hair colored, until I figured out it wasn’t rocket science, as long as I didn’t pick out the wrong box (only one case of Bozo-red hair, so far).
I agree that buying all the tools can make DIY very expensive. When DH hired a friend to help renovate our house, it was helpful that the friend had collected a whole bunch of tools for the specific tasks we hired him for, and he was using them for the first time with us! His wife’s annoyance was our gain.
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Ahem.
And sometimes it makes more sense to pay somebody to scrape the damn moss off the damn roof.
– a cold and wet and tired J.D.
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It sounds counterintuitive, but we’ve saved a lot of money by having an extra car. When one of ours needs a repair, we can take the extra time to learn how to do it ourselves. This year, my husband and I have replaced the multifunction switch, taken off the dashboard to repair a cassette player, and put on new rotors. We’ve saved hundreds, possibly even a thousand, on labor, and we’re increasing our skills the whole time. At this point, changing the oil is child’s play for me.
Yet, I can’t cook to save my skin. The infamous story in my family is that I can’t even defrost food: I once set the microwave too high and cooked frozen pork chops into rubber.
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I fixed my wife’s digital camera this weekend by doing a ton of research, opening it up myself, and patching it up. It was a little scary, but I saved ourselves $90!
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I think of the DIY projects not just in terms of saving money, but as building a diversified skill set which can lead to alternative income streams, or just improving my chances at securing/maintaining a primary income stream. I’ve been doing all my own computer repairs for quite some time (along with messing around with them as a hobby), and can now offer that as an added benefit to an organization on a budget (everybody has computer problems; not everybody can afford to keep a specialist on staff), or pick up some money on the side by helping out friends and friends of friends. So not only am I saving myself money when I need work done, I’m gaining experience that I can parlay into additional income.
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As several others have mentioned, I’ve found it much cheaper to groom my longhaired cats at home. Plus, they’re no longer exposed to other animals: once they came home from the groomer with ear mites.
It’s also much less stressful for them, because if they get nervous or impatient, I can stop trimming and finish another time. When I bathe them, I put on a swimsuit and get into the tub with them to keep them calm. I feel so much better knowing that I’m not stressing them out.
We bought a clippers kit for about $80 from a wholesale supplier, which is about what we paid for a professional grooming for one cat.
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I actually fixed my wife’s camera this past weekend. I researched the heck out of the problem, bought a lens kit (you know, those tiny screwdrivers), and then I dove in and did it. Results? I saved $90 and fixed the problem myself. Just don’t drop those tiny screws because it will take you a WHILE to find them.
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It can feel really rewarding to do simple tasks yourself too. Personally, I love mowing the grass and working in the garden. It is quite relaxing and I’m left with something beautiful when the job is done. I try to find the rewarding aspects in other tasks(so I don’t have to outsource them) and that is what helps me maximize each dollar of my paycheck.
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My boyfriend is great with fixing computers and computer-like cellphones. I can do most sewing repairs, and while I won’t say I can cook, I can keep myself fed.
Home repairs are something I would like to learn though. I see how difficult they are when my parents try to do it, but I also see how expensive it is to hire someone else.
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we do much of that anyway.
except for haircuts! my hair grows fast and long. if yours does too, go to supercuts and donate your hair to locks of love (over 9″ long if i remember correctly). they’ll cut your hair for free and take care of the donation process too! i can do it about once a year, right around summer.
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Nowadays I like to do things myself simply because it can be such a hassle to schedule someone else to do the work! When my VW headlight went out I thought “oh no, I have to call the mechanic, schedule — it will be a week out — drive out there, wait, pay $70, etc.” Then I googled the repair and after a quick trip to the auto parts shop, I fixed it myself in 15 minutes! So much more convenient. Same with a toilet that was running. Googled it, bought a new plunger kit, fixed it in 10 minutes. I won’t tackle major repairs (yet) but these two quick fixes saved me a lot of hassle, not just money.
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I’ve been doing a semi-annual checklist on my home. Once in the spring, then in the fall.
Just run through my list and make sure everything is checked off.
Just trying to be proactive; so I buy the $3.00 bottle of caulk instead of getting $500.00 worth of water damage.
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When it comes to designing a website, I find it wayyyy cheaper to do it myself. The designs may not be that spectacular if I do them, but if I’m getting serious exposure with the sites, I should have enough revenue to hire somebody to make a more presentable website.
I think that, similar to what you said, people shouldn’t automatically run off and hire some punk-ass programmer who didn’t graduate college when you need to deal with computers. Wait a minute, I’m a punk-ass programmer who didn’t graduate college! Hire me, dammit! Lol.
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iv been working on my own car for the past few months now! (hey you buy a car for $600 and its gonna need a little more work than an oil change
and you know what, its easier than the garage will have you think!! and cheaper ($40 to change a speedometer cog vs. $8 for me to do it! hmm let me think…) and i have the added benefit of knowing my car inside out, literally!! so i know just where all the most likely places are that might break and how to fix them, and all i needed was a heynes manual and a mate at the garage i could call if i had a problem, and the latter is easy to find if you take the time to chat to the guys
and the more i do the easyer it gets, i supprised myself by taking the whole head unit, valves and all off to replace the gaskets in just 1 weekend!! (yet another $80 saved, my how it adds up hey!)
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My family had been in home improvements/general contracting for about 25 years. So I speak from more than personal experience. Please be really careful about what you chose to do. Many jobs are DANGEROUS, even though they don’t look like it. My dad and his brother often joked that they could make a living off of the fix ups of homeowner disaster.
But more, hot water, hi tension, heights, and power tools are much more dangerous than they appear on TV. The best approach to learning home repair, find someone who is doing a job you want to learn, volunteer to help them, if they’ll teach you how to do it. There is nothing like a little hands on experience.
Otherwise, you would be amazed at how ez many things can be.
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I like the post, but there one thing I learned NOT to do myself: Taxes.
I had been doing my own taxes, being a very diligent citizen and gobbling up resources on the web (mostly through the IRS directly). I filled in my worksheets and sent them away on time.
Then I hired a tax advisor, and within 20 minutes of our first meeting, he paid for himself about 15-25x over through the tax savings I’ve received. (I gave in after moving abroad and trying to figure out taxes in multiple countries… confusing!)
It’s also really nice not to worry about the whole process anymore. I send him all my paperwork in January, and I know that it’ll be done and submitted on time, with as much saved as I can get. All that for $400? Yes please.
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When talking about DIY, there are always people who say time is money. If someone can make more an hour than what that someone pays for a project, then he or she should outsource.
But who can make money every hour of the day? And who wants to? (Unless you make money without actually doing anything, but that’s a different story.)
What it really comes down to is opportunity costs. Everything has a cost- whether it be time, money or both. Does the DIY project have a higher or lower opportunity cost than whatever else you could be doing?
Even with a full-time and part-time job, I still have time when I don’t want to try to make money. Would my time be better spent doing a project around the house or relaxing? Every night the opportunity costs are different.
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Nice to see this. My entire website is dedicated to this kind of thing. Check it out if you’re interested.
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I’ve recently done a kitchen remodel for my parents, did everything except electric myself. My dad already had most of the tools, and what he didn’t we rented, rather than bought. I spent a few years back doing carpentry/general contracting work, so my skills really came in handy. Saved my family a lot of money in labor costs, and still ended up with a really nice kitchen.
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I do nothing myself at home.
Sorry to sound pretentious but that is too expensive. I can earn $80/hour or thereabouts, thus it stands to reason to save $30 or $40 for somebody doing small repairs, for which they are experts and better than myself anyway.
Once you get to traders charging similar rates to mine, that means work is too complicated for me to do anyway.
One should make sure false economies are not used for the sake of a few dollars “saved”.
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i dont agree. sometimes more expensive rather to hire profesional one. It happened to me all the times. I get bored with that.
I just hire people and have the best result i want to.
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I’m lucky to be married to a “handy” guy who is good at fixing stuff, but I’ve also learned from him that it’s a lot about attitude. When we were dating he asked me if I’d cut his hair, and I was so scared I’d mess it up. He told me “it’s just hair, it’ll grow back”… and I’ve been cutting his hair for 5 years now. This kind of prodding has led to me doing a lot of things myself and realizing they’re not THAT hard to do. Saying, “it’s just fill-in-the-blank. Try it!” Has saved us considerable money on small jobs that I would have paid someone else to do before.
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i am already doing many of the things that are recomended here.
i cut my own lawn with green energy aka manual lawn mower. it serves 3 purposes:
1. i save money.
2. i get a good workout.
3. i cut down on greenhouse effect.
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As far as home DIY skills, I think basic plumbing, electrical, and dry-walling skills are great to know.
I had a pipe burst late one night. Since I had previously done a remodel, I had spare pipe and coupling on hand already. The leak was fixed in less than 30 minutes, using about $3 worth of parts.
Installing a light fixture or a new electrical outlet is also easy.
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I’m living in Greece where it seems there is someone different for each job, and you’re supposed to let them do it rather than try yourself. WHen we moved into our first rental apartment the washing machine needed plumbing in. My husband could have done this in half an hour but instead we had to wait several days for it to be done ‘properly’.
And if you decide to build your own house the government actually calculates the IKA (worker insurance) that you would have paid if someone had built it for you, and charges it to you anyway!
What I did find amazing in the UK was when people bought expensive ready prepared vegetables. Does it really take that long to scrub potatoes, cut up broccoli or peel and cut a few carrots? And jacket potatoes with fillings (from M&S), to cook yourself at home. Why not buy your own cheese grater?
Many years ago I attended a night course for vehicle maintenance, and I still do basic checks for oil, water and so on. But it seems that manufacturers are making cars that are more difficult to maintain yourself. It no longer seems possible to tune a car manually, for example.
It’s all electronic now and the car needs to be hitched up to a computer to find out what’s wrong with it, then they just take the part out and replace it with a new one. Seems designed to keep the car manufacturers in profit and reduce the ability of car owners to do much more than kick the tires.
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I think it’s worth while to examine what exactly cheaper means here. I’m a woman, and it takes me at least an hour to do a semi-professional mani/pedi on myself. I can get that done at a salon in a half hour for $20, and the salon is literally across the street. Subtract the cost of polish, emery boards, polish remover, etc. that I’d have to buy to do it myself, and it costs me way less than $20 to get a truly professional mani/pedi and I save at least 30 minutes of time.
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Late comment just because I feel like commenting.
I cut and color my own hair (cut: whenever it gets caught under my dance partner’s arm; savings $70; color: monthly; savings $100+). I do my own mini-facials with drugstore products (monthly; savings $80+). I do my own mani-pedi (weekly; savings $20+). I do our taxes (annually; savings $300+, plus control over results). In terms of value of my time: hair cut takes five minutes, versus an hour or more at the salon. Color takes five minutes to apply, regular shower time to wash out, plus I can do other things while the color is “cooking” instead of sitting around a salon listening to gossip. Mani-pedi takes a couple of minutes a day of basic maintenance, versus a half hour or more in the salon. (I don’t routinely wear polish, let alone fakes.) Facial takes a half hour max, versus ninety minutes at the salon. And with all those, add travel time. Taxes: all the time goes into organizing the records, which you have to do no matter who fills out the forms! What does all this mean to others? Nothing … we all have our reasons or rationales for spending (or not).
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