Wednesday, June 7, 2017

4 Tips For Getting A #Bargain on HVAC Services

When you need service on your HVAC system, it's easy to feel stuck paying whatever price you get from a pro. Most homeowners don't realize just how much control they can have over the price of the work. It takes a bit of time and effort, but being an informed and strategic shopper makes all the difference when hiring a skilled HVAC professional. Here are four things you can do to get the work done at the best possible price:

Get Competing Bids

It's tempting to hire the first person who says they can do the job, but you won't save money that way. Getting multiple bids takes more time, but it allows you to play a more active role in determining the final cost of the project. By talking to several prospective contractors, you'll gain a better understanding of the work required and have enough information to feel confident that you've made the best choice.

Do Your Homework

Once you know what the problem is and what it will take to fix it, do your own research into some of the related costs. Ask the contractors you're considering to tell you some of the parts they expect they'll need. Then do some online research to find out how much those parts cost and how that cost compares to what your contractor intends to charge.
It is also always a good idea to use online review sites, such as Yelp and Angie's List, to learn about other people's experiences with the contractors you're considering. If you need the work done quickly, but a particular contractor has received frequent complaints over missed deadlines, the company is probably not a good fit for your needs.

Ask for What You Want

Image via Flickr by NAVFAC

Some contractors offer discounts, coupons, or payment plans, but they won't tell you about them unless you ask. Similarly, when you're seeking multiple bids for a project, it's important to let each contractor know that he's not the only one in the running. If you're not used to haggling over price, you may need to step out of your comfort zone to get the price down, but the savings will be well worth it.

Get Creative

Depending on the specifics of your situation, there are many creative ways to find savings on your HVAC project. You might, for example, offer to pay any subcontractors directly, rather than through the contractor, thereby saving the company some paperwork. If you're able, you can offer to do some of the simpler project-related tasks yourself to save on labor costs. But be careful - it's not a good idea to attempt complex repair or maintenance tasks on your own. Sticking with skilled professionals to make sure the job gets done correctly usually saves money in the long run.

If you offer a product or service the contractor might find valuable, such as marketing, you might be able to negotiate a swap to offset some of the cost. There are even barter websites specifically for people looking for this kind of arrangement.

Few things make a homeowner feel more proud than getting high-quality work done for a fair price. You may not be able to fix your HVAC system yourself, but by following these tips, you will be able to brag that you got the job done right — and for a steal.

Drowning In #Debt? Help Yourself To Swim With These Solutions

When you’re struggling with a lot of debt, you can often feel a bit helpless. Not only are you unsure as to why you’ve gotten yourself into this mess in the first place, but you can also feel like you’re never going to get out of it. However, you will be able to see the end of the tunnel - and soon. If you’re serious about reducing your debt and living debt-free in the future, you’ve made the first step. Not only are you acknowledging your problem, but you’re looking at doing something about it. It may not be easy, but you can do it, and these steps will help.

Know What You Spend

First of all, you’re going to need to work out exactly what you spend. Even if you think you know what your monthly expenses are, until you write them all down, you won’t ever know. To take control of your debt, you’re going to need to be completely transparent. You need to be fully aware of your financial situation in order to change it. So, work out what you spend each month on bills and everything else, as well as what your income is. Then, you can work on getting it all in line.

Budget Better

Next, you’re going to want to work on budgeting a bit better. When you’re in debt, it’s extremely important to budget and do it well. You may be in debt because you’re overspending, so you need to learn to keep within your means going forwards. You should also think about cutting back on costs so that you have some money to pay your debts off too. Work out what you need for things like rent and food and other essentials, then try to pay anything else towards your debts.

Ask For Help

If you’re struggling to make any of your payments, or interest and charges are killing you, speak to your lender. Your bank or credit card company is there to help you. More of than not, they will work with you to get your debts down. You may also be eligible to get some debt relief. But, to find out how that would work, and if it may be suitable for you, take a look this review on

Start A Side Hustle

Now that you’re starting to get on track, you might want to be able to throw any spare cash you have at your debts. It can feel suffocating knowing that you have them hanging over you, so you can often want to pay them off as soon as possible. To do that, you might want to start about getting some extra work. There are so many different side hustle ideas like these on that you could start doing today for more cash.

Work Down Those Debts First

At this point, you may have low expenses and a higher income, so you could be tempted to start saving for a rainy day. But, while you still have debts, you’re better off paying for them first. That way, you can finally breathe a little when you’re debt-free, and all of the money that went to paying them off can start going towards a savings account instead.