The work-life balance is notoriously difficult to maintain. Some of us are nine to fivers, some of us freelancers, and some still, workaholics. But how do we know when we spend more time at the office than we do at home? Here are the tell-tale signs that it's probably time to call it a day.

1. You have an extra toothbrush in the office bathroom.

Just like the "toothbrush milestone" signifies a big jump in a romantic relationship, it also signifies a big jump in a professional relationship. In this case, the relationship is between you and work. When you're brushing your teeth in the office bathroom, that means you've spent way too much time in the office. Or you should stop ordering from that chicken wing place.

2. You have a lamp at your desk and you actually use it.

It may seem mundane. Sure. A good old ordinary lamp. But if you actually use it, that means the natural light in your office is not bright enough to supply adequate light. That means one of a few things: it's way too early to be working, it's way too late to be working, or you need to invest in some better wattage overhead. If you're going to use a lamp, you should use this one.

3. You're the office barista.

First one in makes the coffee, right? If you find yourself constantly refilling that thing and restocking the whole office, congratulations: your benevolence may likely never be rewarded. We say, it's okay to give yourself credit by writing a little note by the coffee maker, "Coffee courtesy of [Your Name Here]. You're welcome."

4. You have a full set of cutlery and tableware in the kitchen.

Many employees come equipped with their own mugs and minimal cutlery to take care of their daily lunch situation. But if you find that you also have a pitcher, a lemon zester, measuring cups, a decanter, and a standing mixer in your office kitchen, you may want to consider going home at some point. Unless you're making pancakes for the whole office, we suggest you keep that stuff for Sunday morning in your pajamas.

5. You arrange roses in the waiting room.

Uh oh. Now that your office is becoming so homey and lovely, why would you ever want to leave? And now that the smell of overused servers is masked by garden-fresh roses, there's more reason to stop and give 'em a sniff.

6. You put your feet on your desk and you're not even aware of it.

We want you to be comfortable at your desk. That's why we love ergonomic chairs and little zen gardens. But it's kind of crossing the line when you recline too much. You might just fall asleep!

7. You've slept on your office couch on more than one occasion.

There's nothing wrong with late nights. But fact: someone can mistake you as a scary intruder if they come in in the morning to see you snoozing (and drooling) on the office couch. There's nothing you can do at 4am that you can't do the next day after a full night's sleep. Here are some sleep tips to get you primed for a great day.

8. You have a set of nail clippers and a comb in your file cabinets.

Personal hygiene is important, but please, not at your desk.

9. You watch TV in the office lounge during your lunch break.

Your lunch break is yours to do whatever you want. So take a load off. As long as you're not laughing disruptively like you would at home, we say this one's okay.

10. Your whole day is one continuous lunch break.

Similarly to point 4, if you live at your office, you'll likely have a large array of snacks to keep energized. Despite what dieters will say, snacking is important. But if you're spending an hour deciding what to eat next, you should probably be doing that at home.

11. On dress-down Fridays, you bring your slippers.

We know the term "dress-down" is vague, but it still has to be professional. Jeans are acceptable, but footie pajamas get a bit iffy. It depends on your boss.

12. You are obsessed with your office goldfish, Goldie.

There are so many benefits to having pets in the workplace. First of all, pets can be a great stress-reducer. But spending all of your time watching Goldie eat her fish flakes and bump into the pirate treasure chest is not going to do anything for your productivity.

13. You have off-season coats and accessories in the office closet.

It's great to be prepared when a thunderstorm unexpectedly hits. But chances are, you're not going to need your rain boots, overcoat, duffle bag, extra belts, ties, etc. The closet is community ground, and please, take that stuff home already.

We love that you're spending a lot of time at the office. You're making great connections with your coworkers, showing your boss you're devoted to your work, and really making yourself at home. But remember, it's not the number of hours you put in, but the quality of work you do at the office. And at the end of the day, your own bed is a lot nicer to sleep in than a sleeping bag you've set up in the conference room.

Spending too much time at the office? Maybe it's time to join the family business.

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I thought I had a pretty good handle on my finances out of school. I worked several jobs while attending university and had little to no problem managing my income. However, once I graduated, I realized how much more complicated personal accounting could really be.

There were so many variables I needed to keep track of. Biweekly bills, monthly charges, and general necessities amounted to a heap of confusing numbers that were often impossible to decipher. The funniest part was that I was actually trying to do this by hand (I don't know what I was trying to prove to myself, either).

After messing up for the 17th time, I decided to give Microsoft Excel a shot. I used Excel a bit in school and I knew all the big-wig finance people used it, so what could I possibly have to lose? The answer is about six hours of my precious time. Excel isn't much of an improvement over handwriting and it's still dependent on the user to manually input all of the information. It's like doing everything by hand with the slightest help, meaning that it still required a tremendous amount of time and concentration. Well that was all for nothing, I guess.

It's sort of funny. I was certain that I could manage my personal finances with ease, when it's practically a full-time job. I was already stressed out enough with my first job and I knew I didn't have enough time to give my finances the attention it deserved.

That's why I decided to try out a budgeting app. My best friend told me that he uses an app called Truebill to manage his finances. "What does it even mean to manage your finances?" I asked him. He told me that Truebill was the personal financial assistant I wished I could have. It could aggregate all of my account information into one place and give me specific insights and actions.

I loved the idea of having full control over my finances, especially during a time of financial uncertainty, and I realized that Truebill would be the easiest way to accomplish this. The user interface is incredibly simple and intuitive, so it doesn't even feel like a finance app! Truebill offers a multitude of features, with their most popular being the ability to cancel subscriptions with the press of a button.

Okay, I had no idea how many subscriptions I was still subscribed to. In fact, I wasn't even using a quarter of the subscription services I was signed up for. Subscription boxes, streaming services, my old gym, and even an old subscription to my favorite magazine--it was all there and I was livid. How could I let myself waste all of this money and how did I never catch this? Thank goodness for Truebill.

Truebill also offers bill negotiations. There is a 40% fee based on how much you save and Truebill even claims that there is an 85% chance that they'll be able to lower your bill once a negotiation is requested. Why wouldn't I take them up on this? There was zero risk and I would only have to pay once my bill was lowered (which means that I would be saving money regardless).

More standard features of Truebill include the ability to generate a credit report on-demand and even request a pay advance. I only used the pay advance feature once when I wanted to buy a gift for my mom, but didn't have enough cash in hand and Truebill automatically reimbursed itself when I got my next paycheck.

The credit report is another fantastic feature and practically taught me what good credit meant. Truebill's credit report basically shows you which financial decisions have the most significant impact on your credit score and ways that you can improve your credit month-over-month. I've never had such control over my credit and it feels good.

I'll be the first to admit that I was extremely naive coming out of school. I figured that as long as I was attentive, I could manage my finances with ease. We manage money to some extent throughout our entire lives, but once you're thrown out on your own, it's a completely different story. With Truebill, I've finally been able to take control over my finances and stay on top of all of my responsibilities.

Update: Our friends at Truebill are extending a special offer to our readers! Follow this link to sign-up for Truebill.

My buddies and I always try to make it out to a game, but we never really care which one we end up at. Obviously we have our favorite sports and teams, but it was rarely about what game we went to or who we saw playing. It was about watching the game live.

In the early months of lockdown, all we had was Korean baseball, and trust me, we loved it. The only issue was, none of us had any idea what the commentators were saying. Even then, a few of my friends weren't huge fans of baseball. They were into sports like football and basketball, ones that moved at a quicker pace with less down-time in between plays.

We decided to see if there were any other events going down and came across horse racing. Yes, horse racing. It was perfect--short, fast-paced, and most importantly, an opportunity for betting.

I had never really considered watching a horse race any time other than the Belmont Stakes, but the prospects of the sport seemed exhilarating. Even better, with horse racing we knew we could still recreate the atmosphere of a race track. Salty snacks? Check. Stale beer? Check. A simple and easy way to bet? Check.

One quick Google search later, we came across TVG, powered by FanDuel. It's an online betting platform that takes you right to the heart of the action. We were a little apprehensive about using a mobile app to place our bets, but TVG's ability to bet on live horse races from all over the world was too good to pass up.

Here are 5 reasons why we are obsessed with horse racing thanks to TVG:

1. Betting has never been easier

Use your phone or computer to watch and bet on live horse races in real-time. TVG offers a bunch of features to make betting even simpler--live odds and handicapping tips leverage recent learnings to help you make your best bet. Not to mention, TVG's exclusive race content and wagering guide offers an under-the-hood look into the strategy behind horse race betting.

2. The biggest selection of horse races out there

If you're looking to drop a little dough on a horse race, chances are your best option is your local race track. But watching the same few horses races over and over again isn't the most exciting thing. With TVG you have access to over 150 tracks worldwide with races happening consistently throughout the day.

3. Get a generous sign-up offer when you place your first bet

Once you register your account, you will be eligible for a $200 risk-free bet. All you have to do is place your first bet and you're covered. If you happen to lose, TVG will insure you for up to $200 as a sort of wagering credit. I may have been a little trigger happy when placing my first bet, so having this insurance was a great perk. There are also a bunch of promotional offers available year-round.

4. Making deposits and cashing out at the touch of button

With a ton of payment options such as PayPal, BetCash, debit/credit, wire transfers, and other third-party services, making a deposit is a breeze. But what about the payout? Depending on your deposit method, your withdrawal will be available in a few days. No more waiting in-line to collect your winnings!

5. Watching live races with your friends while betting is exhilarating

Even when we were watching Korean baseball, Zoom calls with my friends were a little dull.

With TVG, we haven't had this sort of fun in months! Every weekend we'll turn on a race and throw our bets in. After a few races, and quite a few drinks, we'll tally up our winnings to see who won the most! Sometimes it's not even about making money, but just having a good time.

TVG is the perfect way to add a little excitement to an otherwise mundane afternoon. It introduced me to the world of horse racing, a sport I never would have considered otherwise.

The races just keep ramping up and thanks to TVG, I can always get in on the fun.

UPDATE: The biggest derby in horse racing is THIS WEEKEND. Get in on the action with your $200 risk-free bet!

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