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6 Common Chores You Actually Don’t Need To Pay Someone Else To Do

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6 Common Chores You Actually Don’t Need To Pay Someone Else To Do

Too often it’s too easy to just let someone else do it…no matter what the “it” is. From lunch to changing the oil in our car to mowing the lawn, these tedious little chores seem to be worth the extra $20 or $30 spent to not have to do them.

But with the price of gas and food rising, it might be wise to start cutting back on expenditures. A great place to start is to start doing the little chores we pay others to do for us. You might find that you’re paying somewhere around $100 a week — or even more — to other people for chores you could be doing yourself. Think of the ways you could spend — or save $100. At the end of a year, that could be the cruise you’ve been dying to take!

In addition, there is something very satisfying about completing basic tasks, especially if our jobs aren’t very physical in nature. Doing chores like yard work and housecleaning get you working out a bit, without having to “work out.”

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Here are a few common chores you can do yourself:

1. Basic Auto Maintenance

From changing your own oil to changing the air filter, there are many small car chores you can do yourself. Have that neighbor you always see under his car teach you how to change your oil — or grab a Haynes manual from the local auto parts store and read how to do it yourself. You can also replace your own lights, air filter, windshield wipers, battery and brake pads. All of these things are fairly simple to do, you just need the manual specific to your car to see how it’s done. Don’t be afraid of doing these little things! You can save yourself a ton of money by performing these basic maintenance chores by not paying someone else to do them — and in the preventative maintenance that will keep your car running well.

2. Prepare Your Own Taxes

This is really simple, especially with the advent of online tax preparation software. It’s amazing, in fact, that anyone (aside from a large corporation) still pays other people to do their taxes. Programs like TurboTax, ask you simple to answer questions and you just plug in the right numbers from your W-2 or 1099. The cost is low or free depending on your income and you can even file different schedules for businesses, farms or other tax issues. Your state taxes can also be done at the same time. And with direct deposit, you receive your refund quickly — without having to pay a fee to a tax preparer.

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3. Yard Work

Doing your own yard work is one of the best ways to get in a great work out and still get your yard work done. Grab a push mower and weed whacker and have at it. Take your time. You don’t have to do it all in one day. Make a plan for tackling different jobs from mowing to weeding the flower beds. And if you’re going to be away for a couple of weeks, schedule someone to come and do the job. With some companies charging as much as $50 a lawn, it’s money in your pocket to mow it yourself.

4. Housecleaning

How much do you really need a housecleaner? I mean really. If you’re suffering from a large mess due to an illness or some other issue, it might be nice to hire someone to help you get started, but once you have things under control, it’s easy to keep up. When you’re in the bathroom in the morning, brushing your teeth, take a second to wipe down the sink. The shower can be easily scrubbed once every couple of days while you’re in it. Do all the floors at once, while you have the broom and mop bucket out. Make sure you always wipe down the sink after you do the dishes and the stove after each meal. But no one cleaned behind the piano? Well, if you can’t see it and your mother-in-law can’t see it — who cares? Get behind the piano during spring cleaning and forget about the baseboards most of the time. Most people don’t even notice — and you’re real friends know that you live in your house, you don’t just clean it.

Check out the Fly Lady, who has great tips for keeping a clean house without going crazy.

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5. Wash your own car

And don’t do it very often. Really, how dirty does your car really get? I mean really? Won’t it rain soon? If not, and you just can’t take the build up of dust on your car, then get out the hose and the sponges and let the kids go to town doing it. But really, car washing is one of those things that’s best done once in a while – save yourself the time, the water and the cash.

6. Dry cleaning

Does anyone go to the dry cleaners anymore? Well, they shouldn’t. Between handwashing and those funky packages they sell to do your own dry cleaning in your dryer, you don’t need to pay an arm and a leg for someone else to do your laundry. Even better — don’t buy clothes that need to be dry cleaned.

 

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What other chores are simple to do yourself and can save you money? Let us know! Comment below.

More by this author

Michelle Kennedy Hogan

Michelle is an explorer, editor, author of 15 books, and mom of eight.

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Last Updated on July 20, 2021

Financial Freedom is Not a Fantasy: 9 Secrets to Get You There

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Financial Freedom is Not a Fantasy: 9 Secrets to Get You There

Have you ever considered your life now, and how it would be if you had more time to spend with your family and less worries about money?

Nowadays, financial stress is one of the most troublesome weights in life. If you’ve ever encountered financial stress, you know the difficulty of not having enough income to pay your obligations or bills.

Many people say that money is not the ultimate goal of life. While that’s true, money certainly plays a very significant role. The meaning of financial freedom changes with the different phases of our life, but ultimately, it is something that many people strive for.

In this article, we’ll explain how to capture that financial freedom you’ve been looking for. Read on to learn the secrets to financial freedom.

Break Free of Your Finances

Financial freedom is about having a constant flow of cash from your assets to cover all your regular needs.

When you are not worried about your income, or living paycheck to paycheck, you gain a great sense of freedom. It’s the freedom to be obtain and do what you truly need to make your way through everyday life.

Gaining financial freedom, though, is a process of growth, making small improvements and gaining emotional strength.

Though it seems hard to believe, it is really very simple to get financial freedom.

To do so, you simply need to make sure that your assets exceed your liabilities. In other words, you’ll need to find the sweet-spot where your residuals meet or surpass your expenses. This is something that you can achieve with the proper plan.

While not every person will accomplish financial freedom, the potential for anyone to do so is certainly there. Anyone can achieve this success, regardless of their income level.

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Outlined below are 9 secrets that will help you in your goals of achieving financial freedom.

1. Stop Unnecessary Spending

We often spend money inwardly, instead of objectively.

For example, you may spend when you’re anxious, depressed, restless, exhausted, from fear of missing out, or to please others. This is a very unhealthy way to handle your finances.

To stop this habitual spending, log down all your spending over the course of a month.

Just as some people keep a food diary, keep an expense diary. Remember not to just write down how much and what you spent the money on, also include the circumstances of why you spent the money. Was it an impulse buy at the checkout line or was it something you planned to purchase?

This increased self-awareness could enable you to avoid triggering situations in the future when you are considering an impulse buy.

2. Plan a Monthly Budget

This is a great opportunity to get serious.

Take a seat with your spouse or partner and make a monthly budget based on your income, not your expenses. You are never again going to spend more cash then you have on hand.

Overspending is the thing that led you to more financial obligations. Make sure you decide every month what is coming in and what will be going out and stick to that budget… no matter what.

3. Cut-up Credit Cards

Perhaps you are the type of person who always pays your credit card balance in full before the end of your billing cycle, and enjoys the reward points you gain. If this is the case, then you’re already way ahead of the game.

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If not, you may want to consider ridding your life of the burden that credit cards bring.

Many cards have strategies set up so that if you make a certain number of late payments, they will raise your interest rate much higher. This can really add up in the long run and you won’t be doing your financial situation any favors. If you’re prone to late payments or have a large balance due on your cards, cut them up!

Without proper self control on credit card spending and payments, you are basically throwing your money away. To ensure that you have better control over your spending, use only cash or debit for all future purchases (and don’t forget to pay at least your minimum payment on your cut-up cards each month!).

4. Increase Savings

There is no doubt that for a comfortable retirement you must accumulate satisfactory savings throughout your working life.

It’s good practice to save up to 15% of your income.

Start with your workplace 401(k), if you have one. If not, a Roth IRA (if you are eligible) or a traditional IRA (if you are not eligible for the Roth) are the next logical steps.

Increase in longevity means you might be able to look forward to 25 to 30 years in retirement, or possibly even significantly more. Investing now in good retirement plans will ensure that you have a guaranteed a stable monthly income when the time comes to stop working. [1]

5. Invest Wisely

Consider investing in funds.

Specifically, you will gain higher returns if you invest in different types of mutual funds such as Debt funds, Equity funds and Hybrid funds with a proper balance, although it absolutely relies on your personal preferences and sense of risk taking.

To get the most of these benefits, make sure you are investing in a variety of assets. Another resource of investing in mutual funds is SIP (Systematic Investment Plan) where you invest some money every month in funds. SIP works by averaging the per unit price of the stock.

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Mutual fund investors are aware of the benefits of an SIP (Systematic Investment Plan). For one, it is the most secure way to invest in equity mutual plans so that wealth is created over a long period of time. This plan also helps you to gain a better sense of financial discipline, which will come in handy in all your financial endeavors.

6. Invest in Gold

There isn’t really a better way to invest in gold than to have the physical gold itself in your possession.

You can purchase gold coins and bars from mints as well as from coin dealers and other private sellers.

Another way to invest in gold is through ETFs (Exchange Traded Funds).

These are is similar to mutual funds but they are exclusively investments of gold. ETFs are great because they offer more liquidity; the ETF owns the actual physical gold, stores it, and retains the value of the shares. These shares can then be bought and sold in the stock market, and one big benefit is that the transaction costs of gold ETFs are much lower than the that of physical gold.

With its consistently-increasing demand, investment in gold can be very wise long-term investment to make.

7. Stash Emergency Funds

Whether it’s a cash gift or a work bonus, always try to save any extra money that comes your way rather than making unneeded purchases.

If you get paid every other week, you’ll get an “extra” paycheck (three rather than the usual two) twice a year. Either save those paychecks towards your emergency funds or utilize the money to pay down other obligations, such as loans, credit cards or other debts.

Make it hard to get your cash.

Put your savings in an alternate bank, maybe an online bank that forces you to delay for several business days before transferred money hits your regular bank account.

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8. Find Fabulous Mentors

Find a mentor, such as a friend or family member, who has exceptional control over their finances and pay attention to everything they do.

If you do not have any friends or family that are enjoying financial freedom, then find a mentor online! There are numerous blogs and guru websites featuring the advice of many people who have reached financial freedom, and they exist primarily to let you in on how to achieve it for yourself.

There are also plentiful forums available that share tips and tricks on how to best achieve financial freedom. Read as much as you can and start changing your habits for the better.

9. Be Extra Patient

Patience is the key of financial success.

Being patient can be quite tough, especially when you’re struggling with your finances, but having faith is worth it. You’ll continuously be on the right track if you are taking the proper steps above.

So don’t be discouraged, even if you are only saving a few dollars a month; it all adds up. Within just a few years you’ll look back proudly at your accomplishments and be glad that you had the patience to get there.

Financial Freedom for All

Anyone can achieve financial freedom, regardless of their financial circumstance.

Use the tips provided above to get yourself on the track to financial freedom and toss your monetary concerns out the window. If you wish to achieve a life with financial freedom for yourself and your family then you must adopt a disciplined approach towards your finances.

Following the simple secrets above is a great start to making your money work for you, so you can work less and live more!

Featured photo credit: rawpixel via unsplash.com

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Reference

[1] Hartford Gold Group: IRA Retirement Accounts

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