The Tanseys' diligence in pricing out subcontractors and materials saved thousands. Quoted $7,000 to cut down a tree, Erika called seven more services before she got a $4,000 bid. Interior-trim painting estimates varied from $5,000 to $15,000. She found a landscaper for $11,000 when another bid $35,000. It pays to get three quotes on any major job.

Don't, however, make money the sole basis of your decision. You want to be confident - via references and track record - that the person will get the job done right in a reasonable amount of time.