Q: Which home improvement projects can I tackle myself, and which should I leave for the pros?

A: It’s tempting to want to do everything yourself, but it isn’t always the best choice. Here’s how to know when to do it yourself and when to hire professionals.

If you’re a homeowner in need of some cash, look in your own home. You can tap into your equity through a home equity line of credit or a HELOC. Let’s take a look at HELOCs and why they can be an excellent option for cash-strapped homeowners.

Your phone pings, alerting you to a new text. You swipe to find a message from the USPS. It tells you the scheduled delivery for your package has been changed and they want you to click on a link to confirm. Just one click, and it’ll be done. Stop! Don’t click that link.

Like many people, you may have spent your 20s making financial decisions that served you well in the moment, but may not have been particularly responsible. Dinner out several times a week, credit card bills you barely looked at and luxury cars way beyond your budget.