Having a “honey do” list may cause some snickering, but I don’t know anyone that likes putting out extra money.    Well, it’s the month of love. The holiday season is over and just when you think you can give yourself and your wallet a break….you’re wrong! This year many people are being more practical, especially since they’ve spent so much time at home due to Covid. When you’ve looked at that crack in the ceiling, or got caught going for the chips (again), because of the squeaky cabinet door for the last time, you make a “honey do” list!…