Generally it is value paying somebody to deal with numerous duties and chores

Hiring a lawn care company saves time and energy for relatively low monthly costs.

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During our working years, saving for the future is crucial to one day gaining financial independence.

At the same time, we are working on other financial goals, such as paying for our children’s schooling or paying off the mortgage. However, for people with solid careers who hit their savings goals every year, it often makes sense to spend extra money on services that will make a positive difference in their lives.

My parents were both teachers, so I understand when it pays to be frugal. However, if you can afford to hire someone for these services, it is worth paying for some rather than doing them yourself.

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Yes it will cost some money. But there are other rewards, ranging from better health to a return on your investment and more time to enjoy life. Here are five services worth considering:

1. Hire a lawn maintenance company. I have customers in their 50s who work full time and still mow their own lawn – with a push mower. It’s a great exercise, but the heat and humidity in summer can drain your energy and possibly even worse results like heat stroke.

I’ve encouraged these clients to hire a regular landscape maintenance service, which can often cost $ 200 or more a month. The service staff mow the garden, cut the hedges, remove leaves and debris, and do other jobs in a fraction of the time it takes my customers to do these tasks. These expenses are so minor that they are unlikely to see any impact on your monthly budget. However, you will notice the time savings.

2. Work with a travel agent for vacation planning. Instead of searching the internet for hours, a good one Travel agency is experienced in finding the best deals and value for money for almost any travel destination. Her expertise includes researching and suggesting places to reach your destinations for these experiences, as well as arranging flights, accommodation, airport transfers and excursions while on vacation. A private chef or personal concierge can also be part of your recommended vacation plan.

I realize that some people are reluctant to work with a travel agent. You may ask, why the additional cost? But because of their knowledge and expertise, a good broker can help keep total costs down and possibly even save you money. And unlike the Internet, a travel agency is often available to help you with problems during your trip, especially when you are traveling abroad.

3. Grocery collection, delivery and ready meals. Since the pandemic, many retailers have been much more focused on helping customers who don’t like shopping in person. While grocery chains charge a fee for roadside pickup or delivery, it’s a small amount for convenience.

There are also several online companies that deliver ready-made meals to your home. These meals contain fresh ingredients that are ready to cook. For people who don’t like to cook every night, this alternative offers healthy eating at a reasonable price. Grocery deliveries are also an advantage when on vacation.

4. Hire a business coach. This may not be a necessary investment for a seasoned executive who has built a stable career. Still, some of my successful executive clients have hired a coach, and so have I. I refer to him as my “business therapist”.

A good coach can create clarity about career opportunities, overcome hurdles, achieve personal and professional goals and help reduce stress. For example, my coach helped me set up a 10-year plan for public speaking and writing and publishing books. So far I’ve published two books and a third will come out later this year.

Coaches can charge a few hundred dollars an hour or a flat fee for a series of coaching sessions. Hiring a coach is usually more effective when it becomes a long-term, regular relationship.

5. Tax preparation and planning. As a financial planner, I understand how taxes work and advise my clients on tax strategies. But for more than 10 years I have been using an auditor to prepare my taxes.

I just don’t want to spend many hours over several days collecting tax records, researching expenses, making sure I’ve researched every nuanced tax law that may benefit me and other tedious tasks. It’s worth the money to pay an accountant, especially one that I know can do the job.

And while the payment to an accountant can be anywhere from $ 1,000 to $ 5,000 per year depending on the complexity of your situation, part of the accountant’s job is to save money by advising you on tax cut strategies or asking for the right tax-related information .

A recently retired customer made the mistake of paying her own taxes. She made more than $ 1.5 million in her last year at work and decided to take care of her own taxes over time. After several frustrating days of trying to learn what to do – fearing she might make a mistake that could cost several thousand dollars – she crawled back to her CPA.

If there is a task that you do not want to do yourself, most likely there is a service that will take care of it. For example, I am so reluctant to buy a new car that I put it off for five years. Finally, early last year, when my sport utility vehicle covered 250,000 miles, I decided it was time to buy it.

I could have used a car purchase service for this job. Fortunately, my husband jumped in and did anything a service would do. For several weeks he visited different car dealerships to test cars.

Then he came home one Friday and said, “I found your car. They’ll keep it for you at the dealership.” I stopped what I was doing, went there to test the car, and bought it.

This is how you buy a new car now.

Of course, before you can consider spending money on additional services now, you need to meet your long-term savings goals first. The discussion of what additional services to add should be part of your financial plan and budget each year, as should your savings goals.

– By Lisa Brown, partner and investment advisor at Brightworth

San Diego leaders calling for thorough evaluation of shifting cash, duties away from Police Division

As San Diego continues to oppose calls for massive police funding cuts, some city guides have begun pushing for a full analysis to see what functions of the police department could be revised or taken over by other agencies.

City councilors who advocate such an approach say it will likely result in much slower and more incremental change than what groups chanted slogans like “Defund the Police” after George Floyd passed away last year.

These council members claim that thoughtful analysis and targeted changes make more sense for San Diego than potentially tricky reforms.

“It can’t be healthy bites, it can’t be reducing and increasing it,” Councilor Joe LaCava said during a public hearing on Friday about police spending. “It has to be a more thoughtful approach.”

However, proponents of reform also say some modest changes could come this spring as part of the budget deliberations Mayor Todd Gloria recently proposed for the new fiscal year, which begins July 1.

“I really hope we can do a little more next month, dig a little deeper and have some really tough conversations about the right size police,” said Councilman Sean Elo-Rivera.

Gloria proposed an increase in annual police funding by $ 24 million from $ 568 million to $ 592 million.

In budget notes last winter, a majority of council members urged the mayor to consider such changes, especially if policing could be shifted to social services or groups focusing on homelessness.

“This priority is largely not taken into account in the proposed budget,” says the independent budget analyst. “Funding was not specifically reallocated, nor were the services the department provided to service providers outside of law enforcement.”

LaCava, Elo-Rivera, and councilor Monica Montgomery Steppe say city guides should take advice from Jack Schaeffer, president of the city’s police union, and investigate the matter thoroughly.

“If you want to re-imagine the department, it should contain a real and comprehensive plan,” Schaeffer told the council on Friday. “Otherwise, reimagining is a buzzword you use to defuse the department for a political purpose.”

Schaeffer warned that deep police cuts in other cities over the past year have led to an increase in crime. He also said reforms could cost more instead of less, suggesting additional money will be needed for training and community police.

“A real redesign requires investment in the department rather than cuts,” he said.

However, Schaeffer said the union generally supports the idea that the police should no longer be the first responder in many situations involving the homeless.

Elo-Rivera said this could be an opportunity by identifying a new outreach program, led by nonprofit people helping the homeless, as a potential model for the shift of homeless responsibilities from police to social services.

However, Elo-Rivera acknowledged that significant changes require thorough analysis.

“This will take a very, very long time,” said Elo-Rivera, warning reform advocates not to expect too much in this fiscal cycle.

Montgomery Steppe, the leading voice on the Police Reform Council as chairman of the Public Safety Committee, agreed that after careful analysis, the city should now make some small changes and major changes.

“There is definitely an ongoing need for our (police) department, but there is also a need for other types of investments in our communities,” she said, suggesting that neighborhood libraries, parks and other facilities reduce crime can. “We have to have the right conversation.”

Montgomery Steppe said the city’s police budget, which has increased by $ 214 million since 2011, is unsustainable in the long term and will eventually need to be cut by moving some functions to another location.

“I think we can do better,” she said.

The council’s comments came after dozens of speakers complained about racial differences in policing and recent spikes in violent crime. Many also advocated reducing police funding, but some said funding should stay the same or increase.

“It is the city council’s duty to make public safety a priority,” said resident Tammy Martin. “Our police are already underfunded, but they are doing their duty to protect us.”

Beverly McAlla agreed.

“Defusing the police is not the answer,” she said. “Adequate funding for the police to enforce quality of life crimes and fund mental health services programs and individuals should be budgeted for.”

But a large majority of speakers were in favor of cuts.

“The increase in the budget for the police leads to a militarization of the armed forces, which perpetuates further violence,” said Veronica Philipsborn.

“Research shows that reducing police engagement with citizens actually makes our communities safer,” said Lt. Col. David Gapp, retired. “Spend this money on volunteer teams, especially emergency mental health teams that are needed to care for the mentally ill in San Diego.”

Methods to lastly sort out powerful cash duties | Private Finance

Start with your “why”.

“Giving yourself a 10-point list of things to do that you don’t like is the perfect recipe for procrastination,” Meera Meyer, a financial planner in Boulder, Colorado, said in an email. Meyer lets her customers review their financial goals and then consider why an item is on their to-do list in the first place. Checking your goals against your list may inspire you to keep this list short.

This exercise can also help you prioritize the remaining tasks so that you know exactly where to start.

Break big tasks down into small bites

A big, vague goal is a surefire way to inaction. But when you break this goal into pieces, it feels doable. Progress is already a small step.

“Sometimes downloading that first statement is the jolt you need to get on the right track,” Meyer said. “Once you download this statement, you often find that you are as good as possible to get on with the process.”

Lauren Martin of Portland, Oregon describes herself as a hardworking saver, and that left her with a good problem: what to do with additional savings once she’s fully funded her emergency account? It has set itself the goal of opening its first taxpayer Brokerage accountBut she found the prospect of taking that first step toward investing daunting.