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6 Luxurious Timesaving Services That Are Cheaper Than You Think

6 Luxurious Timesaving Services That Are Cheaper Than You Think

    It must be great to be rich. After all, it’s a lot easier to be productive when you can pay someone to do all the menial things on your to-do list. But these perks aren’t restricted to trust fund kids. Some of the timesaving services that seem the most luxurious are surprisingly affordable, meaning you can boost your productive hours each day without crippling your cash flow.

    Time is money…so why not spend a little cash to reclaim precious hours in your day? Here are some common services that seem indulgent but are cheaper than you might have thought.

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    1. Valet Parking

    The Problem: You want to go out to dinner, but after you spend 30 minutes trying to find a place to park your car, you’ve missed your reservation.

    The Solution: Valet parking seems like an indulgence (and a drain on your wallet.) The thing is, a ton of restaurants offer free valet parking, saving you time and keeping you from shelling out quarters for the parking meter. Make reservations at a place with free valet parking, and you’ll make a good impression on your dining companions, and be a lot less stressed out.

    2. Personal Assistant

    The Problem: You. Are. Swamped. But you don’t have the budget to hire another employee, and your personal life is just as frenetic as your professional life.

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    The Solution: A virtual personal assistant. Your employer would definitely frown on you outsourcing your job to a virtual assistant, but if you are self-employed or need an assistant for purely personal reasons, hiring a virtual personal assistant is a great way to get items checked off your to-do list. Rates vary by company/individual, but can be as low as $1 an hour…and plenty of companies offer free trial periods as well.

    3. Grocery Delivery

    The Problem: Driving to the store takes time. Picking out your purchases takes time. Clipping coupons (if you’re into that sort of thing) takes a lot of time. And let’s not forget the drudgery of waiting in line behind the old lady who’s buying cat food with a combination of pocket change and personal checks.

    The Solution: Okay, no one’s gonna give you free groceries (unless it’s a charity org.) But, plenty of delivery services offer free shipping on your first order, low flat rate shipping, and competitive rates on their grocery items, so it doesn’t really cost you anything extra to shop online. Peapod, for example, offers free shipping for the first two months you use the service. Most services offer automated shipping as well, so you can have a constant stream of staples delivered to you at regular intervals.

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    4. Personal Accounting/Tax Prep

    The Problem: You don’t want to have to manage your own money, but you don’t have enough dough to pay someone to do it for you.

    The Solution: More like solutions. Free programs like GnuCash can help you track your spending year-round. H&R Block offers FREE audit support and representation from an enrolled agent when you file your taxes with them. The IRS Volunteer Income Tax Assistance Program (VITA) and the Tax Counseling for the Elderly (TCE) Programs offer free tax help for taxpayers who qualify. The VITA Program offers free tax help to low- to moderate-income (generally, $49,000 and below) people who cannot prepare their own tax returns.

    5. Laundry Service

    The Problem: You hate doing laundry almost as much as you hate shelling out the dough for detergent and the coin-op laundry. And nothing bugs you more than spending a precious weekend afternoon washing and folding.

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    The Solution: Dry cleaning is definitely expensive, but washing the rest of your clothes can be surprisingly affordable. Rates vary by geographic location, but can be as low as 79 cents per pound. If you don’t have a home washing machine to begin with, laundry service might be a good choice for you.

    As an added bonus, a lot of places that offer wash and fold services will also throw in free repairs for whatever you bring in, whether its a missing button or a fallen hem. And let’s be honest: those are the kinds of repairs you’re just gonna keep putting off.

    6. House Cleaners/Maids

    The Problem: Your house is starting to look like an audition tape for Hoarders. But to make a dent in the cleaning, you’d need to dedicate a whole month’s worth of weekends.

    The Solution: Maid companies can be a little pricey, so you might want to try advertise on Craigslist or in your local paper. You can try having different providers bid like contractors for who gets the privilege of working for you. Also keep your eyes peeled for deals on sites like LivingSocial or Groupon, where there are occasionally deep discounts on maid services.

    What “luxury” time-saving services are you most likely to splurge on? Tell us in the comments below!

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    Tucker Cummings

    Writer and social media professional sharing productivity tips on Lifehack.

    The Productivity Paradox: What Is It And How Can We Move Beyond It? The Pomodoro Technique: Is It Right for You to Boost Productivity? How to Diagnose the “Phantom Cursor” Issue on Your Mac Extreme Minimalism: Andrew Hyde and the 15-Item Lifestyle 6 Easy Tips for Living with 100 Items or Less

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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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