The Do it yourself TV station has us convinced that we can improve or fix just about anything around our house, yard, and garage on our own, while cutting back on the personal budget spreadsheet plan. But not all DIY projects are created equal. While some DIY projects seem like they would yield big savings, you must think about the return-on-investment; in other words, how much time it will take you and what kind of tools you'll need, compared to how much money you'll save in your budget. Now, let us see some of the best DIY activities that can save you big money, without the investment of tons of expensive equipment, time or skill:

Do your own oil change. Jiffy Lube wants you to believe that changing your own oil is a major inconvenience. Doing it is actually faster than taking it into a shop. Once you get the hang of it, it will take you around 20 minutes, and save you around $20. Plus you don't have to listen to them attempt to sell you a bunch of unnecessary add-ons or worse yet, buy their sales pitch!

Paint your own rooms. A gallon of paint and an afternoon, and you'll have a new outlook on life'" and a few more $20s in your wallet. Hiring professional painters can run between $30 to $60 an hour. That does not include the paint and supplies. You'll easily save $100 or more on a simple project.

Wash your own automobile. Years ago, Saturday morning was for washing the car and mowing the lawn. Now, most of us drive through the car wash on our lunch hour. But getting out the sponges and buckets can quickly save you around $15. If you wash your vehicle twice a month, that savings adds up to $360 a year. What can you purchase for $360 this year?

Do your computer upgrades. The idea of cracking open your computer tower and performing surgery on the innards may give you a sickness, and of course, that's what computer pros count on. But installing your own computer upgrades can save you a bundle. Go ahead and buy the hardware online or from a computer store, and then teach yourself on the technique by watching videos on Youtube.com. It's not difficult, and your bravery can earn you $100 in savings or greater. Remember: The guy or gal who sold you the thingy at the gadget store has a vested interest in making sure you install it properly and without incident. You have a built in tech support person right there!

Plant your own garden. Growing your own herbs and vegetables is all the rage these days, and rightfully so '" a 100-square-foot plot can yield roughly $700 worth of food in just one season! Pick food that you love and will eat regularly, or work out a swap with other home gardeners to trade off your excess. Bonus: It's good for your budget AND the planet. You don't need a big garden space, even a few small patio planters can give you plentiful tomatoes and green peppers. Start small if you have to and soon you'll be looking for any available soil to plant on!

When you ponder whether a DIY project is right for you or not, consider the tools you need and the time you need to do the project. Aside from home improvement projects that require a professional license (like plumbing or electrical), many smaller projects just take a willingness to learn. All DIYs are not made equal, but most are fun and can save you a bundle!

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