TIPS!

✦ HAVING MAJOR RENOVATIONS? BE SURE TO TELL YOUR HOME INSURER.

✦ PAYING TO GET A JOB DONE? GO ON PERSONAL RECOMMENDATIONS TO FIND GOOD TRADESPEOPLE.

✦ IDEALLY GET AT LEAST THREE QUOTES IN WRITING FOR A JOB, AND MAKE SURE THEY INCLUDE ALL COSTS.

✦ READ SMALL PRINT ON FINANCE DEALS AND CREDIT CARDS. MISS A PAYMENT AND YOU CAN LOSE THAT 0% DEAL AND HAVE TO PAY THE FULL INTEREST.