When friends want your tradie skills for free

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It's always handy to have a family member who's a mechanic, a sparky, even a plumber.

But it raises the issue of whether you'll get mates' rates or be expected to pay full price.

If you're asking a relative to lend their professional services it pays to be mindful that by working for you they're either giving up leisure time or bypassing full-paying work.

So offers to waive payment should be disregarded. Mick Southwell is a licensed electrician who's regularly called on by clan members to whip out his toolbox.

He says: "It can be inconvenient. I live a fair distance away from my family, so even a small job can involve a sizeable petrol bill, but I've never felt comfortable about charging relatives."

As compensation, Mick's family has developed something of a contra system.

"My brother-in-law is a carpenter so if I need some work done at home, I can call on his help," explains Mick. "Other family members have paid me in kind by passing down pieces of furniture they no longer need. I rarely walk away empty-handed."

More importantly, Mick's relatives refer his services to friends and work colleagues.

"It's amazing how much work I get through their recommendations - it more than compensates for time spent working for next to nothing."

So, while it's great if you can exchange skills, if you can't, word of mouth is a free but powerful form of advertising, and it could be the best return favour you can offer.

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A former Chartered Accountant, Nicola Field has been a regular contributor to Money for 20 years, and writes on personal finance issues for some of Australia's largest financial institutions. She is the author of Investing in Your Child's Future and Baby or Bust, and has collaborated with Paul Clitheroe on a variety of projects including radio scripts, newspaper columns, and several books.