- A financial planner says money is a tool to help you live the life you want.
- One way to make the most of it is to spend on services that save time, like hiring an accountant for taxes or a house cleaner.
- If you calculate what your time is worth, you might even be saving money overall.
As a financial planner, I would like to think I’m pretty responsible when it comes to managing my finances. I make sure to never spend more than I earn, track all my expenses in a detailed spreadsheet, and avoid impulse purchases as much as I can.
But just because I consider myself financially responsible doesn’t mean I skimp on everything.
I’m all about making smart decisions with my money and cutting back on unnecessary purchases when you can. However, I also believe money is a tool that gives you freedom to be able to do what you want, when you want.
I think tools or services that can save you time are almost always worth the money.
4 services I’m happy to pay for
So much of our day is spent doing “life admin” — those everyday tasks like grocery shopping, cleaning, or paying bills. Some of those actions can be done without hiring someone (like setting your bills on auto-pay), and others you typically can’t pass off to someone else (like going to the dentist for a check-up).
But for everything else, time-saving services can be used to earn back a little extra time in your day or cut down on your never-ending to-do list.
Here are currently all the services I use:
- Grocery delivery: I could spend hours browsing in a grocery store — so instead, I simply fill up my cart online and pay to get it delivered. Not only do I save on time (and the annoyance of having to carry my heavy grocery bags home); I also believe I save some money! Shopping for groceries in person often leads to impulsive purchases for me, like that bag of candy in the checkout line.
- Laundry service: Once a week, I have a service pick up my laundry and return on that day, washed and folded. Laundry is one of my least-favorite chores and my apartment in New York City doesn’t have laundry, which means I’d have to bring it to a laundromat and stay there while I washed it myself.
- Accountant: I have used some sort of software every time I’ve filed my taxes, but last year I hired an accountant and I’m never …….