Cutting, because for me, it's hard. Either the ruler moves or my Rheumatoid Arthritis hands & shoulders get sore and I get too exhausted from it. My wonderful family all went in on a big gift for my 60th BD; an cutter machine! (am I allowed to say what kind?) I don't have the cutting dies for every shape etc, but the biggest help for me is my 3 different widths of strips which can be folded multiple times. Every piece is exactly the same, which I really appreciate when I need to cut 50-100 or more small 2 1/2in squares! I know I could pay to have things precut, but I can't and don't want to wait for them to receive my carefully chosen fabrics, cut, then mail them to me. So I cut.
I also have trouble quilting a bigger project, so that's where I might pay for help. I can quilt lap quilts & smaller.