Boomer Financial Advice to Ditch

Working From Home Today? Here's How to Actually Get Work Done

Working from home, or "WFH" as the kids say, is one of the miraculous benefits that a lot of modern offices are granting to employees. Since a large majority of work can be done remotely—thanks to the innovations of web-based filing systems, online communication, and widespread laptop and mobile device ownership—just because you're not "in the office" doesn't mean you're not "at work." Get what we're saying?

The problem comes when employees misinterpret the privilege of working from home and think it means "sleep from home" or "do other errands while occasionally checking work emails" or "go to your kid's ballet recital" or "sleep until four." While you're not under watch when you work remotely, that doesn't mean it's a free for all.

Being at home can be distracting, though, as we all know. The dog is barking, your room needs cleaning, and someone's grilling a feast next door. Mmm. Here are some tips on how to make your work from home days just as productive as your office days.

1. Whatever you do, do not work in bed.

If you set up your office in your bed, chances are, you will shortly be asleep, your papers will be a mess, and you'll have an unsightly crease on your forehead from where it landed on your laptop keyboard. Being in bed tells you it's time to go night-night. So if you're planning on going through that 10Q report, you should probably be sitting upright.

2. Tell anyone around you that you are working, so you don't get random interruptions.

"Hey, everyone, I'm working from home today, so please don't bother me." Yeah, that should do. Find a room with a door to close and keep it closed. But that doesn't mean you have to lock yourself up all day. A vital part of productivity is taking time for a lunch break and other breaks throughout the day. When your kids start asking you to build a treehouse at three, resist. You'll have a good excuse to put that off until the weekend.

3. Stick to your schedule.

If you're usually in the office by nine, today shouldn't be the day you just open your computer at eleven after your spin class. In fact, you'll spend less time commuting, so if you really want to impress your boss, send an email at seven! That'll show them that you take working from home seriously. Working from home also means that you don't have to be working all night. When it's quitting time, it's quitting time.

4. Get out of your pajamas.

Working from home gives you the benefit of no necessary human interaction, and it may be tempting to stay in your pajamas all day. But we always find that getting showered and dressed makes us feel fresh and helps boost productivity. Staying in our comfies all day makes us just want to curl up in a ball. Dress for success, even when you're not leaving the house. No need for a suit.

5. Get your work space just right.

Open those windows! Natural light will help you be more productive and stay awake longer. If your abode is a basement, you may consider taking your work to a lively coffee shop or a (less lively) library. Being surrounded by productive-seeming people will be inspiring.

6. Don't sleep through your calls.

We can often lose track of time when we're working from home and not constantly looking at the time on our computers at the office. But make sure you don't neglect any calls that have been scheduled. Also, if you're on a call, it might be a good time to feed the dog so he stops barking while you're trying to have a professional conversation.

7. Don't go AWOL.

Just in case your boss calls! You can run out for a bit, but keep it only to what you would do at the office if at all possible. If you need to be out for an extended period of time, give everyone a courtesy head's up. But you know that already.

We all love working from home once in awhile. And who knows, maybe the better you work from home, the more opportunities you'll have to work from home! Want to find out where to find the best remote jobs? Check this out!

Landscaping Options to Increase Your Home's Curb Appeal

Home garden and porch

As anyone who has ever sold a house will tell you, you must prioritize curb appeal. Before a potential buyer even considers looking inside your house, they notice the outside first. Does it attract the right kind of attention? Does it take away from the feel you're going for? If you plan to sell sometime soon, you must think about these things. Here are some landscaping options to increase your home's curb appeal, so you can get the best price on your home.

Extensive Plants and Greenery

A barren front yard won't get you the price you want on your home. So, invest in at least a little bit of greenery to keep the surrounding area from looking too dead. Shrubs and bushes tie the house to the lawn that precedes it, and flower beds bring a pop of color to an otherwise drab structure. You can also strategically plant some trees to improve the overall feel of your home's exterior.

Lawn Care

As we mentioned, your lawn is one of the most prominent features of your home's exterior. A patchy, dried-up lawn will quickly drive your home's price way down. Some of the best landscaping options for your home's curb appeal involve improving your lawn for the next inhabitant. Overall fertilization, ground aeration, underbrush removal, proper mowing—all of these lawn care tasks contribute to a greener and more lively area that invites people to see your house, rather than stay away from it.

Paved Pathways

There's nothing like a broken and disheveled pathway to make someone think twice about buying a property. Just as you want the entryway in your house to be welcoming, so too should the pathway leading up to the house be inviting. The pathway from the street to your front door provides plenty of real estate to get creative with. You don't have to settle for a boring concrete pathway. Consider something more eye catching, like a cobblestone path or intermittent brick patterns, as a way to better welcome potential buyers.

Usable Outdoor Furniture

Landscaping doesn't just involve the ground you walk on; also included are the items you use as extras to the overall look. Outdoor furniture is one such extra that you don't necessarily need but can look quite attractive if done correctly. Staging is important with outdoor furniture. Old, broken-down pieces will only look like more work to the potential buyer. A few comfortable chairs, a bench, or a table with an umbrella really go a long way to improving your outdoor aesthetics.

A good tip for deciding on curb appeal items is to decide what you personally would want to see as a part of a welcoming home's exterior. You don't need to go overboard, but a little bit of forethought could net you quite a lot of extra cash in the sale.

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Common Mistakes Made When Giving to Charity

Unfortunately, giving back can sometimes go haywire. If you're ready to make a donation, first consider common mistakes made when giving back.

Many people strive to support their community by donating their time or their money. When you find a meaningful cause, you might be quick to cut a donation check. Though it's admirable to be quick to act charitably, you should be wary of several common mistakes made when giving to charity. Being mindful of these mistakes and learning tips for making informed charitable choices can help you make the most out of your generous check.

Acting Quickly Out of Emotion

Mission statements are meant to be compelling. If you're an emotionally driven individual, it's natural to pull out your wallet at the sight of a sad puppy on TV or when informed about food insecurity over the phone. Unfortunately, not all charities are as effective or official as they may seem.

Take your passion for helping others one step further by making sure your chosen charity is legit. Speaking with a representative, reviewing their website and social media accounts, and looking at testaments online can give you a better idea of whether the organization is worth your donation.

Forgetting to Keep Record of the Donation

Don't forget that you can reap some financial perks from giving back! With the proper documentation of your donation, you can acquire a better tax deductible.

If you donate more than $12,400 as a single filer or $24,800 as one of two joint filers, you're eligible to deduct that amount from your taxes. So, when a charity asks if you'd like a receipt of donation, always answer yes.

Donating Unusable Materials

Most charities can utilize a monetary donation—it's the physical donations that usually cause some issues. Providing a local nonprofit with irrelevant materials or gifting them with unusable products are surprisingly common mistakes made when giving to charity.

Always check your intended charity's website for a list of things they do and do not accept. The majority of places will provide a guideline to donating or offer contact information to clarify any questions.

Strictly Giving at Year's End

As more and more people get into the holiday spirit at the end of the year, nonprofit organizations see an influx of donations. While it's great to spread holiday cheer via a monetary donation, it's important to keep that spirit going year-round.

With regular donations, charities can more effectively allocate their annual budget. Setting up an automatic monthly donation with the charity of your choosing can maximize your impact. You can account for a monthly donation by foregoing a costly coffee every once in a while.

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How Much You Should Spend on Home Maintenance

Knowing how much you should spend on home maintenance each year is hard to figure out and may be preventing you from buying your first home. The types of costs you'll incur depend on the house you buy and its location. The one certainty is that you should start saving now. Read on to figure out how much to start setting aside based on the home you own.

The Age of Your House

Consider several factors when budgeting for home repairs. If you've purchased a new home, your house likely won't require as much maintenance for a few years. Homes built 20 or more years ago are likely to require more maintenance, including replacing and keeping your windows clean. Further, depending on your home's location, weather can cause additional strain over time, so you may need to budget for more repairs.

The One-Percent Rule

An easy way to budget for home repairs is to follow the one-percent rule. Set aside one percent of your home's purchase price each year to cover maintenance costs. For instance, if you paid $200,000 for your home, you would set aside $2,000 each year. This plan is not foolproof. If you bought your home for a good deal during a buyer's market, your home could require more repairs than you've budgeted for.

The Square-Foot Rule

Easy to calculate, you can also budget for home maintenance by saving one dollar for every square foot of your home. This pricing method is more consistent than pricing it by how much you paid because the rate relies on the objective size of your home. Unfortunately, it does not consider inflation for the area where you live, so make sure you also budget for increased taxes and labor costs if you live in or near a city.

The Mix and Match Method

Since there is no infallible rule for how much you should spend on home maintenance, you can combine both methods to get an idea for a budget. Average your results from the square-foot rule and the one-percent rule to arrive at a budget that works for you. You should also increase your savings by 10 percent for each risk factor that affects your home, such as weather and age.

Holding on to savings is easier in theory than practice. Once you know how much you should spend on home maintenance, you'll know what to aim for and be more prepared for an emergency. If you are having trouble securing funds for home repairs, consider taking out a home equity loan, borrowing money from friends or family, or applying for funds through a home repair program through your local government for low-income individuals.