Let's not take advantage of the self-employed tradesmen and workers: electricians, carpenters, pavers, landscape people, roofers, delivery restaurants, plumbers, painters, fitness trainers, hairdressers, etc. etc. during hard times.
Right now, they are desperate for work and offering bids which are almost 50% of what they would have done 6 months ago. So my feeling is this is the time to get a lot of jobs off your checklist in affordable and prompt ways, but don't be a schnorrer. They are all under-bidding eachother just to stay busy and to keep their helpers working. A minor profit is better than nothing.
These people have families to feed, and times are tough. If you can, put these people to work and don't give them a hard time about it. Do it for America.