We insource most stuff between the two of us, but I would have to outsource quite a few things if I were flying solo. We also sometimes outsource more stuff for temporary periods of time, like if I’m post-op or post-injury. The first thing we outsource if I’m down and out is usually food, but I even freezer cook and create basic meals my husband can toss together to mitigate that because I hate outsourcing it.
Food - My favorite, I love love love insourcing as much food as possible not just for the money saving but the health and quality level too. Even if I had millions of dollars I would not outsource food any more than I do now and I’d still insist on packing breakfasts/lunches.
Cleaning - I would have to outsource most cleaning if I were solo but husband does all the stuff I can’t do, which is a lot these days. I also insource cleaning products (50%) by using a lot vinegar solutions and stuff like that, in addition to antibacterial store stuff and wood oil. Vinegar is THE BEST for stainless steel and glass IMO.
Laundry (including ironing, having dress shirts dry cleaned is so $ and my husband wears them daily for work) - this is very easy to insource now because we have a washer and dryer but if I were solo I would have had to outsource this completely for years before (when my husband would haul everything several blocks to the laundromat). I definitely would have had to pay for a laundry pickup/dropoff service.
Taxes - I do our taxes. I think it’s fun for some reason, IDK.
Fitness (we both work out at home!)
Haircuts- So I insource this for myself because I have long curly hair and it’s really easy for me to diy the light trimming like, once a year. My husband’s is outsourced because he needs to look professional and my men’s hair cutting skills are…a little punk.
Shopping- I’ve gone through various periods of ordering a lot of things for delivery (I mean grocery delivery mostly) and also periods of insourcing. Right now we insource like 90% of our shopping because we have a car and do it together. If I were solo I would have to outsource 100% of my shopping and have it all delivered.
Stuff we outsource:
Maintenance: We live in an apartment so we don’t really have to do any maintenance or repairs. I LOVE not having to deal with that stuff and it’s 100% worth it to me. We also outsource car things.
Tailoring/Sewing: I have to get some of my clothes tailored and I pay someone to do it because I do not have sewing skills…or the interest to develop them. My husband pays for tailoring too, no way could I tailor a suit for him, lol. I can hardly sew a seam.
Furniture/Home stuff: I don’t make drapes, pillows, furniture, none of that stuff.
Other: I also go in loops with personal care outsourcing. When I’m able I do it all myself (nails, hair removal) but when I’m post-whatever I often outsource and get my nails done/pay for waxing. Totally worth it when I can’t diy, makes me feel human, but very expensive and I don’t mind doing it myself. I think getting really good at manicuring your own nails is a great skill if you like to have “done” looking nails. You can save so much money and most of the result of a paid-for manicure is the technique and skill not expensive materials.