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5 Tips For Saving On Handyman Services

5 Tips For Saving On Handyman Services

Once, coming back from my university, I found an old chap washing his car with so much fondness and care that I had to stop and congratulate him on maintaining his car in such a great shape. It was really well-maintained Audi and the owner seemed like a person who could do most of the small house gigs on his own.

However, some of us just don’t like doing that stuff on our own. Perhaps it’s a lack of time, expertise, or motivation to do some of the more menial tasks, such as cleaning the wash basin drain. That’s reality and many actively seek external support for these jobs around the house.

So, if you’re looking for window insulations, carpentry work, painting, and more, what you’ll need is a handyman. To find one, most resort to Google to find a good handyman in the area.

However, not all good handyman services are listed on online yellow pages or on gumtree. Word of mouth is the best approach to finding a good handyman in your local area. So, ask your neighbors and friends first.

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Having said that, let’s discuss how you can avoid their heavy fees and save on a service which many of us need from time to time.

1. Look for Groupon Deals

Probably your biggest cost saver on handyman services and finding a good local handyman is Groupon. Groupon regularly lists good handyman deals, offering discounts as high as 70%. What is good about these deals is they also offer recommendations and word of mouth about the quality of services offered by local handymen.

And here is a secret tip: you can further save a buck if you make a deal with your local handyman to leave him a good positive review online.

2. Know exactly what you want

One of the biggest cost drainers when it comes to hiring a good local handyman is not knowing exactly what modification work is required. Many people have just a vague idea of what they exactly want and end up signing up for extra services that they don’t really need.

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Remember, a handyman is a salesman first and he will try his best to sign you up for other services also.

Always discuss with your partner or parents what bare minimum they want. If it is window replacement, keep it to window replacement only. Don’t go for extras like pasting nice-looking wallpapers on your windows or buying an extra set of window blinds.

Knowing exactly what you want can save you a lot of money.

3. Ask what you can do yourself

When making a deal with handyman, ask him if he will reduce his fee if you prepare or do some work before he arrives. Similarly, ask if he will reduce his fee if you do the debris removal yourself.

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If your handyman is charging you an hourly rate, doing some work before and after the job can reduce his time and you can save some money also.

4. Group the repairs

Patience is probably one of the best personal traits we develop as we age. Delayed gratification and the ability to not rush into things is what separates a mature individual from someone who is less apt with self-control.

Thus, if your home requires a few small repairs and replacements, wait till you need multiple fixes before calling up the handyman.

Going for single handyman jobs can cost you more money, but you can save a lot if you group your repairing requirements and negotiate a whole deal with handyman rather than calling him each time you need to replace a switch in your home.

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5. Don’t go for big

Don’t get into the emotional mantra of more is better. If bathroom can be fixed by just fixing the shower and bathtub, limit yourself to that much work.

Big is not always better, so focus on essentials and you can save few bucks on handyman services or even completely avoid hiring a contractor.

Handyman services are essential during retirement as comfortable living requires one to live with peace of mind. Small and repeated gigs can be pain for older individuals, but you can avoid paying more for handyman services if you follow the above tips.

If you have personal experience with dealing with handymen, please share your views and tips in comments section.

Featured photo credit: teikjoon via flic.kr

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Adnan Manzoor

Data Analyst & Life Coach

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Last Updated on April 3, 2019

How to Nix Your Credit Card Debt in Less Than 3 Years

How to Nix Your Credit Card Debt in Less Than 3 Years

Debt is never a fun thing to be in. But, there are many actions that you can take that will help you rid yourself of the burden of debt once and for all.

By coming up with a set plan, eliminating your debt can feel much easier than constantly thinking about it.

This post will provide some tips on how you can do this to help you nix your credit card debt in less than 3 years.

Hint: there are ways that are easier than you think.

1. Consider Consolidating Multiple Credit Cards If Possible

This may not be applicable to you, but if you have multiple cards – it is something to consider. Keeping up with multiple bills is time consuming.

It will depend on the balance you have on each. Consolidate ones you can but do not do it to the point that you get too close to the maximum limit. Also, it is ideal to pick the card with the lower interest rate.

Consider if there are any fees or alternatively, rewards, with transferring a balance to another card. Watch out for fees. Note that some cards offer rewards for transferring a balance to them. This is extra cash that can help go towards paying off your debt.

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Having one or two cards can make nixing your debt much simpler than keeping up with the balance of a bunch of cards. Keeping track of paying the minimum towards a bunch of cards is time consuming. Spend the time to consolidate instead to make the overall process simpler going forward.

My tip: Have one main credit card. Have a second one that you use for necessities – such as groceries or gas – that offers rewards for those purchases (a lot of cards do) and set the second one on auto-pay. You should be able to pay off a smaller amount on auto-pay if it is a necessity. If you think you cannot, then you may need to cut down a lot on expenses.

Why do I suggest doing this? Having one thing set to auto-pay is one less thing to think about. One less thing to waste time on. Same idea with consolidating to one main card. Tracking down too many is a hassle.

2. Try to Pay the Full Balance You Spent Each Month at the Very Least

You need to pay off the amount you are spending each month when that bill comes in. This is the amount you spent THAT month.

Do not let the debt keep accruing while you work on paying any unpaid debt that has accrued. It will become a never-ending battle. Try as best as you can to be current on paying for each month’s expenses when that month’s bill comes out.

If this is a strain, consider why. You may need to cut expenses. Or you may need to consider other cards. Or look at where this money is going.

3. Pay Extra When You Can – Every Small Amount Counts

This cannot be emphasized enough. If you are looking at a lot of credit card debt, it can look daunting, but each extra amount that you can put towards the debt will really add up – no matter how small it is.

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It does not just reduce the principal amount that you have left to pay off, but it reduces the amount that is collecting interest. You will always save money with that reduced interest.

4. Create a Plan on How to Pay Extra

Back to the main point, having this plan is giving you one less thing to think about.

This plan should be a plan that works for you. If it does not work for you, your spending habits, and your views on debt, then it will not be an effective plan.

For instance, if a set plan of an extra $50 (or another amount that you know you can afford) works for you, then do that. Set that aside every month and pay that extra amount. Treat it like a bill. Choose an amount that works for you and pay it like clockwork as though it was a bill you had to pay each month.

Little amounts will not nix it entirely, but they will help tackle it and having a set plan can make it less of a chore. Creating a new plan of how much to put towards it each month is an unnecessary added stress.

5. Cut out Costs for Services You Do Not Use

If you are signed up for subscriptions that you do not use because of some free trial or for some other reason, cut it out. Your overall financial position will look better.

In turn, that will make cutting your credit card debt easier. Look at your statements to find these expenses. If you do not use them, you may forget you are paying some unnecessary amount each month. Cutting it out can really add up in savings that you can put towards other needed expenses.

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6. Get Aggressive About It

Consider these points:

Depending on the interest and the level of debt, you may need to give up a few indulgences. For example, instead of ordering delivery or going out to eat, cook at home. Everything adds up.

Other things may be more of a sacrifice. It may be a trip you wanted to go on, or a daily latte habit you’ve picked up. In these instances, consider how important it is to you and if it’s worth the sacrifice. And if it is a costly expense, think whether you can wait to indulge.

Cutting an extravagant expense can really help make a dent in your overall debt. Try not to add to debt when you are trying to pay it off. It will be a never-ending battle. Make it less of a battle with these tips and it will feel easier.

Bottom line: Do what you can to make this process easier for you. Implement steps that do this. It takes time now, but will help overall. Also, keep track of your spending and paying down of your debts. Which is the next point.

7. Reevaluate Your Progress at Set Intervals

Doing a regular check-in can help you see your efforts pay off or maybe indicate that you need to give this a bit more effort. If you check every 3-6 months, it will not feel so much like a chore or feel so daunting.

By doing this, you will be able to better understand your progress and perhaps readjust your plan. Bonus: if you see it pay off, it will feel great to do this check-in. You will get there.

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Finally (and most importantly)…

8. Keep Trying

Do not get discouraged. Pushing it off will make it worse. Just keep trying.

Once your debt becomes lower, each monthly payment will reduce the balance more. Why? You are paying less towards interest. It will be a snowball effect eventually and it will become much easier to manage. Just get to that point. And know once you do, it will feel easier and motivating.

Start Knocking out Your Debt Today

The best way to eliminate debt is to get started right away. Begin by implementing the above steps and watch your debt just melt away. Try out some of the above strategies and see what works best for you. Soon you’ll be on your way to a debt free life.

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Featured photo credit: Pexels via pexels.com

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