Advertising
Advertising

Things You Should Better Entrust to Professionals

Things You Should Better Entrust to Professionals
There is something incredibly satisfying in taking something outside your area of expertise, figuring it out, and doing it yourself, even if it is something as trivial as a bit of carpentry or home improvement. However, there are areas that amateurs should better leave alone—for whatever reasons. Here is the list of some things that may blow up in your face (sometimes literally) if not left to professionals.

1. Web Development

Learning a little bit of web design isn’t hard and, actually, it’s quite useful—it pays to know how things on the Internet work, if only at a very basic level. However, any serious work in this sphere—like setting up your own standalone website—requires, well, serious knowledge, training and experience. Trying to build your own website after learning the basics is about the same as believing you can build a house because you know how to whomp up a stool. Do you know how the testing is done? Have you heard about agile methodology? Do you know which tools are used in the industry today? If not, can you afford to study it all full-time?

Advertising

2. Home Improvement and Interior Design

Some people possess an innate sense of style and appropriateness; others don’t. But even if you are one of the chosen few, it doesn’t mean you are automatically good at it. Firstly, the sense of style needs training to really shine. Secondly, a professional interior designer knows a lot of technical stuff you’ve never given much thought to: how colors work together, how lighting influences the whole picture, which hardware is used in this or that case and much more. Thirdly, if you have no experience in home repairs, God forbid you from trying to do anything substantial—this may lead to problems that are much greater than mismatching colors.

Advertising

3. Car Maintenance

This is another area that is dangerous to venture into if you don’t know what you are doing—and in this case you don’t only endanger yourself, but all the people around you. Of course, if you like tinkering with your car, it is absolutely normal to do so. But if you have only a vague understanding of what’s under the hood and suddenly decide to do the maintenance and repairs on your own, you are likely to be in for some trouble sooner than you expect. You’d better find a proper repair shop and visit it regularly.

Advertising

4. Health Issues

Theoretically we all understand that our health isn’t something to trifle with and, if anything, the thing that demands professional attention the most. But when it comes to practice we are all too eager to trust our own experience, or remember what somebody once told us, or believe in unquestionable authority of our maternal Grandma who always treated back pains with copious amounts of booze and lived to a hundred, bless her soul. One doesn’t have to describe possible results of self-diagnosis and self-treatment—it may work, at least if the problem is not too severe, but alternatively, it may end in permanent injury or death. Is the risk really worth it?

Advertising

5. Finances

Money is always at the base of everything, yet the majority of people have little to no idea of how it actually works and what to do with it. And learning is not an option for everybody—it is an extremely complicated subject demanding complete commitment. Thus, finding a good financial assistant may be all the difference in the world—or at least, all the difference between financial security and ruin.

These are, of course, not the only things better left to professionals—but mistakes in these areas are among the most dangerous you can make. So, if you don’t know something—don’t be too proud to ask for help!

Featured photo credit: handshake/Broad Bean Media via flickr.com

More by this author

What do you know about Internet of Things (IoT)? Omega 3 food Eat Your Way To Perfect Skin! Include These 10+ High Omega 3 Foods In Your Meal! divorce 6 Important Divorce Guidelines: Getting Out With Your Skin Intact 7 Helpful Tools to Choose the Perfect Christmas Vacation Destination 5 Solutions to Lower Back Pain Using Our Grannies’ Experience

Trending in Money

1 How Being Smart With Your Money Leads to Financial Success 2 17 Practical Money Skills that Will Set You Up for Early Retirement 3 25 Things to Sell to Make Extra Money Easily 4 How to Pay off Debt Fast Using the Stack Method (A Step-By-Step Guide) 5 30 Fun Things To Do With Your Friends Without Spending Much

Read Next

Advertising
Advertising

Published on September 17, 2018

How Being Smart With Your Money Leads to Financial Success

How Being Smart With Your Money Leads to Financial Success

Achieving financial success is not something that just happens. Maybe if you win the lottery or something, but for the average person like you or me, it comes from a series of small steps you take over a long period of time.

With each step, you form a new smart money habit. And with each smart money habit, you build towards financial independence.

So what sort of habits can you form to get on that path? Let’s take a look at smart money habits you can start today to get you closer to a financially independent future.

1. Avoid being “penny wise but pound foolish”

It’s tempting to try saving a couple cents here and there when buying small items. However, that’s not where the real money is saved. You’re putting in extra effort for something that doesn’t move the needle.

You get the most bang when you’re able to cut down on your bigger bills. For example, finding a lower interest rate for your mortgage could save you $50+ per month. And cutting your transportation bill by purchasing a cheaper car or taking public transportation can provide large gains as well.

So, look at your recurring expenses such as housing, transportation, and insurance, and see where there’s wiggle room. It’s a much better use of your time than trying to pinch pennies here and there on smaller purchases.

2. When you want something big, wait

Impulsivity can get you in trouble in most aspects of life. Finances are no different.

It’s human nature to see something and want it right then and there. It starts as a kid in the checkout line at the grocery store, and it continues on through adulthood.

We get an idea in our head of something we want, and it’s hard not to go out and get it right then.

A good example is wanting a new car. Perhaps you’ve had your car for several years. It’s crossed the 100k mile mark. Maybe maintenance is due, and you’re annoyed that you need to replace the timing belt or purchase new tires.

Advertising

So, you get the itch.

You start digging around online, and you realize you could trade in your current car for something newer and more exciting… all for a few hundred bucks a month. Then you get obsessed.

Here’s where you have to take a step back.

Your newfound obsession is clouding your judgement. Rather than giving into the impulse, wait it out.

Set a timeframe for yourself. Maybe you come back to the decision three months down the road. See if the obsession lasts.

It might, but often, a funny thing happens. Often, you forget about it. And often, you find that the new car wasn’t a need at all.

The impulse faded. And you just saved yourself a ton of money.

3. Live smaller than you can afford

You finally get that big raise. And you want to celebrate – and why not?

You’ve been looking forward to this forever. And after all, it was all due to your hard work.

That’s fine, splurge a little. However, make it a one-time deal and be done.

Advertising

Don’t get caught in the trap that just because you’re now making more money, you should spend more.

Too often, people get more money and feel like they that gives them the means to buy a bigger house, a bigger car… you know the drill. Resist.

The fact is that living smaller than what you can afford is one of the fastest ways to build savings.

But if you constantly upgrade as you begin to make more, then you’ll never get ahead. You’ll just build up more debt along the way and have just as little wiggle room as before.

4. Practice smart grocery shopping

Food… it’s one of the biggest portions of any budget. And if you’re not careful, it can be one of the biggest drains on your wallet.

But luckily, there are a few things you can do to ensure that you stay smart with your money when buying groceries.

Create a grocery budget

Set a strict weekly grocery budget. When you know how much you can spend on groceries, you can then plan your weekly menu around it.

Once you know what all you need, you can go shopping and keep a running tally as you shop to ensure you’re on track.

I tend to do this in my head, rounding for each item. However, writing it down as you go would probably work best for most people.

Make a list… and never deviate

Never go to the grocery store without a list. If you go to the store with a ballpark idea in mind, you don’t have a true ide of what you need.

Advertising

You’re not well-researched. You don’t know what the sales are. As a result, you’re going to make decisions on the fly.

These impulse decisions will lead to overspending, which will derail your grocery budget.

Eat before going grocery shopping

It’s also important to eat prior to going to the grocery store. Hunger is a powerful force.

If you’re shopping on an empty stomach, everything is going to look good. In particular, you may find a lot of ready-made, processed snacks will look enticing.

After all, you’re hungry now and that food is easily available. So subconsciously, you may lean towards those items.

Unfortunately, not only are those items typically less healthy, but they’re likely more expensive. You pay for convenience.

However, when you eat prior to shopping, then you’ll shop with a clear mind. Your hunger won’t cloud your judgement, influencing you to make poor decisions like a cartoon devil resting on your shoulder whispering in your ear.

This makes it much easier to stick to your grocery plan.

5. Cancel your gym membership

Now that you’re all set on your food, it’s time to get smart about managing your budget in terms of physical fitness. And let’s begin by avoiding the gym. The gym bill, that is.

The average gym membership costs around $60 per month. That’s $720 a year.

Advertising

Yet, two out of three gym memberships go unused. That means two-thirds of people who have a gym membership are literally giving away almost a thousand bucks a year. It’s crazy!

I recommend seeking an alternative. One good alternative is to look into fitness streaming services.

Streaming services allow you to stream hundreds of workouts like Insanity and p90x, right in your own home for around $10-20 a month. That’s $40-50 less a month than the average gym membership.

Of course, then there’s the free option. The internet is full of free workouts that you can do on your own with minimal or no equipment.

For example, there’s the Couch to 5K program, that I personally used a decade ago to ease myself from couch potato to running my first 5K race. If I could do it, anyone could.

Then there are free resources like reddit that have limitless information on workouts. The Fitness subreddit has done all the research for you, populating workout tips and detailed workout routines for anyone to use in their wiki.

There are several routines that require no equipment. And you can join in on the subreddit to become part of the community, making it easier for those seeking comraderie and encouragement in their fitness goals. All for free.

It’s baby steps… And baby steps can start now!

I’ve never met anyone that can’t stand to be a bit smarter with their money. And on the flip side, anyone can get smarter with their money. But remember, it doesn’t happen all at once.

Begin by fighting your impulses. Prepare for the week and be smart at the store. And cut monthly expenses like gym memberships that are overpriced and you probably aren’t getting your money’s worth out of anyway.

The devil is in the details. And the details can change your lifestyle and prep you for a financially independent future.

Featured photo credit: Unsplash via unsplash.com

Read Next