The Simple Dollar Morning Roundup: Home Inspection Report Edition

I’m supposed to go pick up the home inspection report this morning. The inspection last night was quite interesting and I wound up with about ten pages of notes on it. It was just as I predicted – nothing big, but tons of very small nit-picky stuff – lots of fifteen minute tasks, about 90% of which I could easily do myself. I called our agent afterwards and after hearing the list, he suggested that we ask for a small cash stipend to take care of it ourselves and then just hold that cash for a serious repair.

Don’t Be Fooled Into Thinking An Oil Change Every 3000 Miles Is Necessary I do my own oil changes (would this be an interesting photo diary) and after checking my car’s manual, I discovered that my truck should have a change every 5,000 miles. So, compared to where I was two years ago (paying for an oil change every 3,000 miles), I’m saving a ton of cash. The key point is to check your manual to see how often it needs an oil change. (@ generation x finance)

12 Cheap Ways To Keep Fit And Stay Healthy My favorite, when I was in high school, was to push-mow the yard at a brisk pace. This always got me sweaty and the endorphins really flowing. I haven’t done it since then, but on some level I’m really looking forward to it with our new house. (@ the digerati life)

How To Use Credit Cards To Simplify Your Finances I’m a big fan of using credit cards for the convenience factor, but one should never, ever use them if they don’t have the cash on hand to back the purchases up. (@ money smart life)

The Simple Dollar Retro: How To Feel Happier About Not Spending Money More than one person lately has commented to me that they feel unhappy when they’re frugal and they feel happier when they’re buying stuff. This is basically my answer to that idea.

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  1. Ogden says:

    Check out synthetic oils too. You can usually go longer on them, and IMO, they extend the life of your engine and are therefore well worth the extra expense.

    I’ve been using synthetics since the 6K mark on my now 310K miles, 10 year old Subaru and it just keeps on going. I can’t attribute it’s longevity to the synthetic oil 100%, but it certainly didn’t hurt it, and the money that having the car run this well, for this long, has saved me in car payments is huge.

    Oh, and a car wash (with wax) every month or so also helps.

  2. Ted Valentine says:

    I would have them do the work for you. Time and materials is likely going to be more than a few hundred dollars. Especially someone as busy as you. I’m not sure if you realize how quickly “little things you can do in 15 minutes” pile up and get put off and then forgotten once you live in a house.

  3. Seth Miller says:

    I think canning your own veggies would be an interesting photo diary at some point. It is a skill I would like to learn before things start producing in my garden.

  4. Brad says:

    Getting them to do all the work may be a deal-killer. Having those all fixed might require a “professional” at this stage and such can add a lot more cost on their end. I think the plan above sounds good.


  5. Shawn says:

    I’m a big fan of using credit cards for the convenience factor, but one should never, ever use them if they don’t have the cash on hand to back the purchases up.

    Then why not use a debit card?

  6. Bill says:

    There is much less consumer protection with a debit card than with a credit card.

    Time is of the essence in reporting debit card fraud

    If you do not notify the bank within as little as 60 days you can lose the entire balance in your account, with no recourse.

    Many banks have voluntarily extended credit card protections to their debit card products, but they are under no legal obligation to do so.

    Debit cards are more a convenience for the bank than the consumer.

    As a former (reformed?) banker I’d never have one.

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