Lessons From a First-Time Home Buyer: DIY Until You Can't
pile of branches and dead foliage

Lessons From a First-Time Home Buyer: DIY Until You Can’t

When it comes to tackling household projects, I think it’s safe to assume that most homeowners see two potential paths: hiring someone to do it for them or doing it themselves. Yet, I’m here to argue that there’s a third, hybrid option. In fact, it’s the approach my wife and I just took. I like to call it “DIY Until You Can’t.”

Our DIY Until You Can’t Story

As I’ve mentioned before, at the back of our yard was some random foliage (for lack of a better and more specific term). While these assorted flora were nice for blocking some of the view into our backyard, the problem was that they would grow vines that latched themselves onto our communication line — luckily stopping short of the actual power lines. Also, my wife just hated the eyesore.

Before embarking on a DIY project, we actually did have a landscaping company come out for an estimate. However, it became clear they weren’t really interested, so we quickly gave up. Instead, little by little and weekend by weekend, we (meaning my wife) started dismantling the mess with the pole saw we bought.

Here’s the thing, though: in Springfield, it’s illegal to throw away yard waste in the trash. So, at first, we’d break down some of what she cut and transport it (via our hatchback vehicle) to the local yard waste recycling center. But, at a certain point, what she was removing was getting larger and larger. In turn, rather than trying to continue breaking it down, she let it accumulate in a large pile, seen above.

Initially, we planned on ordering a dumpster to be delivered that we could then try to fill quickly and have picked up. Before ordering, though, she decided to call up a company that would haul it away for us. That’s when things took a slightly unexpected turn: rather than just showing up for a quote and setting up a removal date, they let us know that they could go forward with the job right then and there. Granted, their bid was a bit higher than the dumpster plan, but we decided to rid ourselves of the eyesore ASAP.

Based on my experience with this, I think we absolutely made the right call. For one, the guy hauling it was at our house for three hours — and needed to rely on some tools we didn’t have. In other words, I suspect that we’d have bitten off more than we could chew had we tried to move it into a dumpster ourselves. On top of that, as I said, the instant gratification of having it gone was quite nice.

Since we never got a real quote from the landscapers we invited out, I can’t say for sure how much we saved with this approach rather than just hiring them to do both parts, but I have to imagine we did pretty well. The bottom line is that we ended up spending an amount we were comfortable with while also doing an amount of work we were comfortable with.

The Dangers of DIY

Of course, just because this hybrid do-it-yourself approach worked for us in this instance doesn’t mean that it’s a fit for every occasion. After all, tackling a project without the knowledge or skill to do so can easily cause more harm than good. Because of this, I’m not suggesting that you start off each household task with a DIY mentality. In fact, that’s where the “until you can’t” factors in — sometimes the “can’t” comes before you even start!

To be clear, it’s perfectly okay to hire help. But, if you want to save money and think that there are parts of a job you could complete on your own, then I think it’s worth considering. The trick is just knowing when it’s time to hand things over.

Another Hybrid DIY Example

By the way, as I realized, this isn’t even really the first time we’ve taken this “DIY Until You Can’t” mantra to heart. When we moved into our house, we brought most of our stuff over in our car and then rented a van for a weekend. Then, when it came time for the big stuff we couldn’t handle on our own, we had pros come and do it. By having everything ready for them and limiting the amount of stuff we needed them to take, we saved mightily compared to a full-service job. It’s all a trade-off!

Professional Last?

You may be wondering if this hybrid approach works in reverse as well. For example, could you hire someone to start a job but then hand it off to you to finish?

Well, in theory, I see no reason why this would be out of the question — provided, of course, that you know what you’re doing. Nevertheless, I’m inclined to prefer to have the professional be the one to see the job through.

Could you save money by having someone deliver a major appliance but installing it yourself? Potentially. But, given the number of things that could go wrong, this is where I think it’s best to step aside and let the pros do it.

Then again, it’s up to you and your level of comfort to decide what makes the most sense for each situation.


With so many projects on our list, as homeowners, it makes sense to try to save money and make progress by doing as much as we can ourselves. However, it’s also important to know our limitations and call for help when the time comes. Personally, I think this hybrid DIY approach is a powerful tool that’s already yielded some great results for us. So, as you look to your next home improvement project, consider what (if anything) you can tackle on your own before handing it over to the professionals.

Author

Kyle Burbank

Head Writer ~ Fioney
Kyle is the head writer for Fioney. He is a personal finance nerd, constantly looking for new apps and services to test and incorporate into his own financial game plan. In addition to his role at Fioney, he's written for other publications including Born2Invest, Lifehack, and Laughing Place, as well as his own site Money@30. He also creates personal finance and travel-related videos for Fioney's YouTube channel, which has garnered more than 2 million views. Currently, Kyle resides in Springfield, Missouri with his wife of 10 years. Together, they enjoy traveling (including visiting Disney Parks around the world), dining, and playing with their dog Rigby.

Other Articles by Kyle Burbank

Fanatics to Launch Rewards Credit Card with American Express

American Express and Fanatics have announced a partnership that will not only result in a new rewards credit card but will also lead to a new option for other cardholders. About the Fanatics American Express Card: This week, Amex revealed that it was teaming up with the sports merchandise site Fanatics. As part of this partnership, the two will create the Fanatics American Express Card. According to a press release,...

Bilt Partners with Flying Blue for Rewards on Rent for Cardholders

Those with the Air France/KLM rewards credit card can now earn bonus miles when paying rent via the Bilt platform. About the Bilt/Flying Blue Rent Payment Offer: Bilt is expanding its rent payment platform to give those with the Air France KLM Visa Signature Credit Card greater mileage rewards. Now, those cardholders can earn a total of 3 Flying Blue miles per $1 spent on rent payments made using Bilt....
AirPods and Apple Card and logo

Apple Card Debuts AirPods Pro Bonus Offer for New Cardholders

Apple is looking to entice potential Apple Card applicants with a special offer worth a pair of AirPods Pro. About Apple Card's Bonus Offer: The Apple Card is currently offering a new bonus worth up to $250 — which is the cost of the AirPods Pro 3 (excluding tax). To take advantage of this deal, new Apple Card customers must be approved for the card and buy a pair of...
The "Email" field is empty, you must enter some text to proceed.The text you entered in the "Email" field appears to be invalid, please edit it and try again
Get the Latest News Delivered to Your Inbox

2025 SoFi Checking and Savings Review

 Ever since I started taking an interest in the FinTech sector, one company whose name I’ve seen pop up over and over again is SoFi. That was later sent into overdrive as the company has not only become a household name thanks to its stadium naming rights deal but also because of the company’s continued product expansions. The most interesting development in my mind is SoFi’s acquisition of Golden Pacific...
Travelers with two Best Western Credit Cards

Best Western Debuts Two New Rewards Credit Cards

After pausing applications for their previous rewards card, the hotel chain Best Western has unveiled a new pair of rewards credit cards with a new issuer. About the Best Western cards: Best Western is partnering with First Bank & Trust and Mercury Financial to introduce two new co-branded credit cards. First up is the no-annual-fee Best Western Rewards Visa Signature Card. With this card, customers can 4x points on Best...
Marriott Bonvoy card and a woman on vacation

Marriott Bonvoy Bold Card Launches Travel Contest

Chase and Marriott Bonoy have unveiled a special contest while continuing to offer its best-ever welcome bonus. About the welcome bonus and Bold Chat Court Contest: Marriott Bonvoy and Chase have launched a special opportunity called the Bold Chat Court contest. As part of this contest, 10 lucky travelers will be awarded 500,000 Marriott Bonvoy points (for a total of 5 million) as well as $5,000. For this contest, the...
Bilt and All Reward logos

Bilt Adds 2 New Transfer Partners Including First 3:2 Transfer Rate

Bilt is once again expanding its travel transfer rewards program — and is even breaking the mold with one new partner. About the new additions to Bilt: This week, Bilt launched partnerships with two more travel brands: TAP Air Portugal and Accor. As a result, Bilt members will now be able to transfer their points to Miles&Go and ALL Reward, respectively. In total, Bilt now has 18 transfer partners including 13...
PayPal Debit Card app

PayPal Debit Card Review: Earn Stackable 5% Cash Back

In recent weeks, PayPal debuted an updated debit card product (perhaps you've seen the incessant Will Ferrell commercials for it during football games?). With the launch of this card, the company known for online payments is encouraging customers to pay with them anywhere. To encourage such behavior, the debit card allows cardholders to earn 5% cashback — although, as you can imagine, there are some important restrictions on that. So,...