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

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.

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Published on July 4, 2018

Top 10 Recommendations on Money Management Apps

Top 10 Recommendations on Money Management Apps

Don’t want to overspend your budget, swipe your credit card too many times, and feel like a financial mess? Instead of beating yourself up for the bad financial decisions you’ve ever made, create a new plan!

The solution is simple, save more and spend less. But, we all know it’s easier said than done.

One problem is finding quality apps that save you time and money, and aren’t just hype.

Luckily, there’re many great money management apps available at your fingertips. Here are 10 reliable money management apps that can help you save money, and crush debt.

1. Personal Capital

    When was the last time you’ve tracked your net worth? Probably months ago or maybe never. Personal Capital allows you to easily track your net worth and plan for retirement.

    Here are some of its main features:

    • Sync many investment accounts, and expenses (mortgage, credit cards, etc.) in one place
    • Discover hidden fees and how much they’re affecting your retirement plan
    • Wealth management for investors requiring a long-term strategy

    With Personal you’re free to track your expenses and net worth.

    Available for: iOS and Android

    2. Mint

      If your smartphone could only install a few apps, Mint would be one of them. Why? Because Mint tracks all your balances and bills in one place.

      Here are some of its main features:

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      • Effortlessly track all your bills and balances in one dashboard
      • Categorized expenses to understand where you spend your money
      • Uncover hidden fees, and determine your investment style with sophisticated retirement tools.

      Feel at ease with managing your money by a reputable company that isn’t going anywhere.

      Available for: iOS and Android

      3. YNAB

        Everyone needs a budget, there’s no way around it. YNAB (You Need A Budget) is an easy to use app that will change the way you think about money. Their motto is to “give every dollar a job”, and you’ll quickly discover why.

        Here are some of its main features:

        • Easily sync all bank accounts in one place
        • Visually see your debt paying progress with eye-catching charts and notifications
        • Customized categories setting saving goals

        The best part about YNAB is the community that comes along with it. You can hop on the YNAB forum to receive support, listen to the YNAB Podcast or stay tuned for their weekly videos.

        Available for: iOS and Android

        4. Wealthfront

          Albert Einstein once said “compound interest is the eight wonder in the world”, and for a very good reason. The problem is, most people are scared or unwilling to learn the basics of investing. This is why Wealthfront is the perfect solution for the hands-off investors.

          Here are some of its main features:

          • Variety of investment account options including IRA, Roth IRA, and more
          • Your portfolio composed of 7 different asset classes
          • Automatically rebalanced portfolio
          • Daily tax loss harvesting

          Wealthfront is perfect for people requiring investment guidance, or prefer a hands-off solution.

          Available for: iOS and Android

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          5. Clarity Money

            If you’re staying on top of your budget but want to take your finances to the next level, Clarity Money can help you. Clarity Money helps you stay under budget and build a personalized savings plan.

            Here are some of its main features:

            • Easily cancel subscriptions with one click
            • Synchronize bank accounts fast
            • Transfer money effortlessly between different accounts

            Clarity Money isn’t an app that does it all. But, it does make transferring money and canceling subscriptions fast and efficient.

            Available for: iOS and Android

            6. Acorns

              What if there was a way to quickly gain confidence in investing your money, without too much risk? There is, and Acorns is your solution. With Acorns’s technology, you’re able to make investments as small as $5.

              Here are some of its main features:

              • Automatic contribution option
              • Customized portfolio tailored to your needs
              • Low management fees ranging from $1-$2 per month

              Stop wasting dollars on expensive coffee. Instead, invest them towards a brighter financial future.

              Available for: iOS and Android

              7. Albert

                Do you budget by only subtracting your expenses from your income? If so, how would you discover any overpayments or extra money you could save? This is where Albert shines, and it does it all free.

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                Here are some of its main features:

                • Receive notifications for overpayments, hidden fees, and low balances
                • An Automatic budget that’s built around your spending and income
                • Easily track debt and set new financial goals

                While Albert does offer a paid option, most of its core features are FREE. So, what better option to save?

                Available for: iOS

                8. Prism

                  Have you recently forgot to pay a bill because life got in the way? Prism automatically tracks your bills and syncs your bank accounts in one place.

                  Here are some of its main features:

                  • View all your account balances in one glance
                  • Bill due dates are automatically pulled and tracked
                  • Receive early reminders for upcoming bills

                  If your budget is on “fleek” but can’t seem to stay on top of your bills, Prism is your go-to app.

                  Available for: iOS, Android, Windows, Amazon

                  9. Mvelopes

                    Remember hearing about people using envelopes to budget their money? Well, Mvelopes is the new envelope system for this generation. Easily create monthly budgets and track your saving goals.

                    Here are some of its main features:

                    • Connect unlimited bank accounts
                    • Real-time budgeting with auto transaction syncing
                    • Low monthly $4 fee or $40 annual

                    Mvelopes can help you crush debt, save more, and help you stop overspending. With its low monthly fee, it’s worth a try.

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                    Available for: iOS and Android

                    10. Wallaby

                      Most people don’t have time to track their credit card’s changing rewards and interest rates. Because of this, you need help reaping the most of your credit card’s rewards. Wallaby is the app that will help you do just that.

                      Here are some of its main features:

                      • Automatic recommendations for the best credit card to use for each transaction
                      • A friendly user interface, displaying credit cards with their corresponding images
                      • Free to use

                      If you’re using the same credit card to make your purchases, you may be leaving money on the table. Give Wallaby a try if you’re ready to maximize your credit card’s rewards.

                      Available for: iOS and Android

                      Take control of your finances and experience financial freedom

                      Picture yourself staying on budget and saving more money than you’d ever imagined.

                      It took hard work and dedication but you’d finally learned how to manage your money. You have to start taking control of your spending and saving habits.

                      You now have a list of reliable apps that can help you build better money habits, what are you waiting for?

                      Featured photo credit: Pexels via pexels.com

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