How To Keep Your Home Business Running Smoothly

Two key focuses of my blog are Financial Literacy/Money and Business/Entrepreneurship. If you’re going to run a home business you want to make sure that it runs smoothly. There are a couple of keys to doing so. The following contributed post is entitled, How To Keep Your Home Business Running Smoothly.

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Running a business from home certainly has its perks. You get to wear whatever you want, set your own hours, and don’t have a boss nagging at you every minute of the day. Plus, you save time and money by eliminating the commute. That being said, there are troublesome aspects of owning a home-based business too. With so much freedom and so many things around to distract you, it can be more difficult to stay productive and get your work done on time. With that in mind, here are ten things that you can do to keep your home business running smoothly.

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1. Stay Connected To Business
Although you run a home-based business, that doesn’t necessarily mean that you’ll be in the house all day, every day. Sometimes you’ll want to work in a cafe or restaurant, while at other times you’ll have to work on the way to a meeting. Because of this, it’s crucial that you have access to business information at all times. Instead of keeping important documents on your computer, you should store them on a flash drive, or, better yet, in the cloud, for access from anywhere.

2. Plan Out The Day
The freedom of being your own boss means that you can work whenever you want to. However, that doesn’t mean that your business hours should change every day. Not only will this make it difficult for customers and clients to contact you, but it also leads to a lack of productivity. Your days need some structure, so choose business hours, create daily and weekly goal lists, and stick to them. If you don’t, you’ll waste a lot of time each day deciding what task to do next.

3. Create A Comfortable Workspace
We tend to see our homes as a relaxing space. This can cause trouble when you’re trying to get your work done. The simple remedy to this problem is to create a workspace in your house. Contact a skip bin hire and clear all of the junk out of a room to make way for office furniture and equipment. Ideally, this room should be bright, quiet, and not too small. Once you have this area, make sure you do all of your work there. This will create boundaries between work and home.

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4. Never Skimp On Necessities
When you first start out in business, choosing the cheapest options or going without certain things seems to make sense. After all, you don’t have that much money to play with, and you don’t want to run out. That being said, you shouldn’t overlook the purchases that you need to make. High-quality internet services, for example, is vital for any home business. You’ll also need ergonomic office furniture, including a desk and chair, to stay comfortable and avoid an injury.

5. Dress For The Job
As tempting as it may be, you shouldn’t ever work in your pajamas. You don’t have to dress in a suit and tie every day, but you do need to shower and get changed before heading to the home office. Like creating a workspace, this will separate your business and personal lives, making it easier for you to stay productive when working and relax at home. A jeans and t-shirt are usually enough to put you in the working mood, or you can opt for workout gear for extra comfort.

6. Set Office Ground Rules
There’s no use in having an office if your family and friends think that they can come and sit in there whenever they like. Far too many loved ones make the mistake of assuming that, because you’re at home, you don’t need to be working. To break them out of that mindset, you need to set out a few office ground rules. For example, you could ask that they knock before coming in or don’t come in at certain times of the day. This would make it much easier for you to focus.

7. Build A Talented Team
Working from your own home doesn’t have to mean working alone. Just like any other, a home business can become overwhelming if you try to handle it by yourself. When the workload starts to pile up, therefore, you should begin bringing on staff to help you out. Sometimes those employees will work from their own houses, but you might choose to have them come work with you in yours. If you opt for the latter, then you’ll have to set them rules for the rest of your house.

8. Outsource When It’s Needed
Hiring employees is not cheap. In fact, it can be incredibly expensive. On top of the salary, you have to offer a competitive benefits package, advertise for the position, and spend time and money interviewing and training candidates. Plus, if an employee chooses to leave, you have to do it all over again. Outsourcing, therefore, might be the best option for your business. This includes many fewer costs but offers the same great service that you want for your company.

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9. Network With Other Entrepreneurs
Although it may seem like it at times, you’re not the only person running a home business or facing the struggles that come with it. There are thousands of other people who know exactly what you’re going through. These people can provide support, as well as advice with your troubles. They might also be able to help with finding providers, potential clients, and leads. For this reason, you should network with these individuals, either in a formal or informal setting.

10. Move Out The House
For many people, working from home is a starting point. In the early days of running your business, money is sure to be tight, so the house is the best office space available if you want to keep overheads low. Once your company starts to grow, however, keeping your business in the home can hold it back. You won’t be able to build your team or client base, as you simply won’t have enough space to do so. It’s at this point that you should consider moving the office outside.

Running a business from home can be tricky, but, with these tips, you should be able to make the task a little smoother.

The Benefits of a Custom-Built Home

A key focus of my blog is Financial Literacy/Money. The greatest purchase many people will make in their lifetime is their personal residence. Instead of buying previously owned homes, some individuals opt to have their homes custom built. The following contributed post is entitled, The Benefits of a Custom-Built Home.

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If you’re looking to move into a new home, you might want to move away from the traditional way of searching the real estate market and instead opt for a custom build. There are many benefits associated with doing that, and it’s something that you should definitely consider. We’re going to talk more about those benefits and why they matter below, so read on to find out more.

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You Have More Control Over Where You Want Your Home to Be

When you build your own custom home, you have more control over where you want the home to be. There are plots of land all over the place, so you’ll have lots of options. Sure, you probably can’t build in the middle of a city, but if you’re looking to live out of the city, you’ll have lots of options and control over the process. That’s not as easy when you’re simply buying real estate.

Work Closely with Top Professionals Throughout the Process

You’ll get the chance to turn your vision into reality with the help of some top professionals. They’ll include architects, builders and interior designers. You could turn to Mark Saunders builder, for example, if you’re looking for someone with a good track record on these kinds of projects. These kinds of pros help ensure the outcomes exceed your expectations.

Make it Specific to You

You can make sure that the home you eventually build is specific to you, your family and your specific needs. Everyone is different and everyone uses their home in specific and unique qays. If you want to make sure that your home is specific to you, it’s best to have a home custom built. That’s the only way to have complete control over the layout, size and shape of a home.

The Process Allows You to Learn a Lot and Have a Unique Experience

There’s no doubt about it; building your home is a unique experience and for most people it’ll be a once in a lifetime experience too. You’ll learn a lot about all sorts of things because there’s so much that goes into the process of designing and building a home from the ground up. Sure, there will be stress and problems along the way but that’s all just part of the fun.

Ensure the Right Standards Are Met

People tend to have different expectations of their homes and what they should be able to offer. If you’re going to get the most out of your home, you want it to be finished to the highest standards. When you build your own home, you can make sure all the little things and finishing touches are completed in the way you want them to be.

It might be a huge project to take on, but it could be worth it for you and your family over the long-term. You’ll end up with a home that’s perfect for you and meets the specific needs of your family, so be sure to keep all of this in mind as you decide whether or not this is something you should pursue.

Adding Some More Professionalism To Your Home Business

Two focuses of my blog are Financial Literacy/Money and Business and Entrepreneurship. If operated correctly, a ‘home business’ can be just as lucrative if not more than a traditional business. There are some things you can do to add professionalism to your business. The following contributed post is entitled, Adding Some More Professionalism To Your Home Business.

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It’s something we worry about, as home business operators: Is the business we’re running professional enough? Do the people around us – potential competitors, collaborators, and customers alike – take us seriously enough? Are we even an option for their business in their minds?

And these are all thoughts that come to us naturally enough; because we want to be successful, and we want to pave the way for ourselves. Of course there’s going to be some doubt along the way!

But the key is to not let that kind of doubt overrule you, and to instead take some steps to make sure we are seeing as being legitimate and professional. When you think of your company, home based as it is, do you see any areas of improvement when it comes to your appearance? If so, you’ve got something to work with!

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Separate Your Personal Life from Your Public One

And by that we mean you need to get yourself a new email address, a new phone and phone number, and a whole new list of details for the business you’re running. You’re doing so from home, after all, and that can get quite complicated when you think about it!

You already have an email and a phone number, and you have a bank account that all your personal savings go into, and it’s going to be very hard for you to try and establish a professional point if you continue on using these and these alone. It’s going to be hard to establish your monthly profits, seeing as you’re mixing the money you need for you and the money your company has been making. Thankfully, it’s very easy to open up a new account with the bank, and reroute your payments.

Similarly, you need to have a professional sounding email address for someone to reach you at, that is never used to contact friends and family on social bases. It needs to be representative of your business, and not something you came up with when you were 16 years old that you’ve been using ever since!

Get Yourself a Reception Desk

Your home business isn’t going to have a receptionist sitting at the front door, waiting for people to come in and out for 8 hours of the day. No, you’re just going to have your normal front door, that you’re going to have to answer yourself whenever someone knocks on it!

But that doesn’t help in making sure you look like a professional business that knows what it’s doing. So why not invest in a virtual address instead? If your a home business, most people are going to call you on the phone, or email you, and this way, you’ve got an intermediary to meet and greet the people who come to you. Plus, you don’t have to hire on an employee with wages you might not be able to manage either! You might just get the best of both worlds here.

Does your home business feel professional enough?

Mother’s Day 2019: Thankful for my upbringing

The original version of this piece looked much different then this published version. After much consideration, I cut it down. I realized that as a storyteller/writer sometimes less is more and more is less.

With a million and one things on my plate right now, I wondered if I’d have time to craft something for Mother’s Day 2019. After creating pieces in 2017 and 2018, I’ve decided to continue the ritual. If you’re a man and thinking about marrying someone and paying for it yourself, you should read my 2017 piece. It may save your life and sanity. The 2018 piece is a tribute to my maternal and paternal grandmothers. In this 2019 piece, I’m going to reflect on the home my mother created for me and my brother early in our lives.

In the process of discussing my upbringing and some of the tools I had to develop after leaving my home ecosystem, I may have sounded unappreciative of my parents which was an unintended effect. Regardless of how ungrateful I may have sounded of my upbringing as a child, I’m actually VERY thankful for it. As I got older, went away to college and started dating, I slowly realized that everyone’s home wasn’t like mine. I can discuss numerous examples, but I’m just highlight a few.

I’d say that Mom masterfully walked the line between “grace and legality” as Dave Ramsey said in one of his Financial Peace University modules. She established discipline and a behavioral standard that lasted all the way through adulthood for both my brother and me. I picked up on this early in the company of my best friend, who either didn’t have as tight a ‘leash’ on him at home, or he just rebelled against it. I hope reflecting on this doesn’t get me in trouble with him. In a way I admired his rebelling at the time, but it had consequences.

Mom always made sure we were well fed and that we ate together. The first time I realized that all homes weren’t like ours was when we spent the night over one of her close friends’ home who also had boys around our age. After a night of playing around and doing what boys do, I woke up the next morning expecting our typical ‘royal’ Saturday morning breakfast. At our house, breakfasts usually consisted of homemade pancakes or waffles, a meat, and scrambled eggs. Instead we had only had cereal that morning. It was better than nothing, but it was different than our home.

Yes, the pancakes were homemade and they were good. Sometimes we had French Toast instead. On Sundays before church we had donuts from “Tops Friendly Markets” instead of the pancakes. Mom also made those breakfasts for us on Wednesdays before we went to school and before she went to work. We had cereal the other four days, hot cereal during the long Buffalo winters.

“You all had privileges growing up that I didn’t have.” A cousin told me this at a family gathering within the last year. I’m going to keep returning to this revelation because in my community, there’s a fixation on ’white privilege’, but there are in fact ‘privileges’ that black families have over other black families, many of which are driven by the personal choices of the parents.

The cousin who told me this is black, and I agree with her assessment. Yes, my mother was college educated and hers wasn’t, but let’s strip it down even further. As kids, this particular cousin annoyed the hell out of me in terms of her behavior, and she always wanted to come over to our house and stay a while. It wasn’t until I got older that I understood the depth of her situation, and that her coming over was good for her.

I’ll just say that our house was safe and there was a lot of love there from my mother and grandmother. There was no cursing (except when my Uncle Poo-Dee came to town), violence, no abuse of any kind, and there were no illegal drugs being used or sold. In general, there was a certain level of peace normalcy there. Without going into detail, my cousin’s house was the exact opposite of ours which is why she always wanted to come spend time with us.

The point I’m trying to make is that my mother made conscious choices to create a safe and love-filled home environment for us. Had I been born to a different mother, my nurturing at home could’ve easily been very, very different. Check out my YouTube video on the concepts ‘Nature vs. Nurture’ if you don’t understand the interplay between these two concepts and how they impact who we become later in life.

I could expound further on some of these things, but I’m going to shift the discussion to the concepts of love and positive affirmation. How important is it for parents to tell their children that they love them? How important is it for parents to tell their children that they’re proud of them? They’re very important. Some kids never hear these two essential words from their parents.

They’re critical as hearing them impacts our socialization and also the adults we go on to become. As I transitioned into adulthood, I discovered that not every one of my peers received positive affirmation at home, and in most instances, it impacted their abilities to give it to others. In my home, we heard these words all the time.

Why would the parents not give their kids positive affirmation? Well maybe those parents didn’t get it themselves. Maybe those parents received it, didn’t appreciate it and didn’t pass it on. In some instances, maybe they endured some life circumstance that beat it out of them so they couldn’t pass it on. As we get older, we do start to see that our parents are people themselves with their own experiences, flaws, shortcomings and vulnerabilities. They have their own scars and have made their own mistakes.

In terms of our upbringing and home, yes, I think both my brother and me did win the ‘lottery’ of sorts in terms of growing where we grew up and growing how we grew up. My Aunt Adele told me several times when I got old enough to understand things that my brother and myself were ‘sheltered’. When she came to town to visit us, she was frequently amused by how my mother seemed to ‘baby’ us in the mornings as we headed off to school.

As a pre-teen and a teen, yes, I did intuitively see that the other kids knew about more mature things than we did early on. Many of them were more ‘street smart’ and there were pieces socially that needed filling when I left our house to go to college. The lack of some of this ‘Consequential Knowledge’ definitely manifested in the dating arena, and that’s all I’ll say. According the great Dr. Thomas Sowell, Consequential Knowledge is knowledge for which there are consequences if you don’t have it.

As a man being raised mostly by a single mother, many of these gaps have taken years to fill, and for some it’s an ongoing process. A part of my personal message now is that single mothers can’t do everything. Many have their hands full just paying the bills and keeping food on the table. They might not be able to come to every basketball game for example. They might support you playing and may make sure you’re nourished enough to go to school and to participate in your sport of interest, but to succeed at the craft, you’ll likely have to find the expertise you need elsewhere, and you might not find it at all. I’m working on a book project on that right now.

“Of my eight children, your mother is my most loving child Anwar.” My grandmother told me this frequently when we talked, and it might be the thing I remember her saying the most. Not taking anything away from my two aunts and five uncles, but I think myself and my brother did win the lottery in this case because we grew up with a lot – not necessarily all the material items that my best friend and other peers had, but a lot of things you can’t buy with money. And those are the most valuable things in life.

I’m more careful these days about discussing the tools I did and didn’t get in my home ecosystem. If I do venture into those waters, I’m sure to do it with an understanding mind as it’s never to demonize anyone. For ourselves and for our community at large, some discussions with my contemporaries and peers need to be had, and interestingly many of us black ‘Generation X-ers’ have common experiences.

We’ve realized that there was some consequential knowledge that we somehow arrived at adulthood without knowing. Wealth-building and relationships are examples, and we’ve still had to line up with everyone else and run life’s ‘marathon’. Our parents, like all parents, could only teach us what they knew, and it’s up to us to make up as much ground as we can in the race using the tools we have.

I’m going to close by saying that I’m thankful and grateful for everything my mother did for us. Everyone’s home is not the same. At the end of day, it’s about being grateful and content about what you do have. What are you grateful for that your mother did for you? Happy Mother’s Day 2019.

Thank you for taking the time out to read this blog post. If you enjoyed this post, you might also enjoy:

Father’s Day 2018: Dad’s doctor and his lawyer and discussion on careers
Two well-behaved boys left to figure things out on their own: reflections on growing up ‘Blue Pill’
Father’s Day 2017: reflections on some of Dad’s money and life lessons
Mother’s Day 2018: Memories of my grandmothers
Mother’s Day 2017: one of my mother’s greatest gifts, getting engaged, and avoiding my own personal fiscal cliff

If you’ve found value here and think it would benefit others, please share it and or leave a comment. To receive all the most up to date content from the Big Words Blog Site, subscribe using the subscription box in the right-hand column in this post and throughout the site. Please visit my YouTube channel entitled, Big Discussions76. Lastly follow me on Twitter at @BWArePowerful, on Instagram at @anwaryusef76, and at the Big Words Blog Site Facebook page. While my main areas of focus are Education, STEM and Financial Literacy, there are other blogs/sites I endorse which can be found on that particular page of my site.

Adding Fun Flavour To The Kitchen

A key focus of my blog is Financial Literacy/Money. A primary residence is the largest investment many people will ever make. To increase the value of your investment, you have to know what updates to make to your home. One place is the kitchen. The following contributed post is entitled, Adding Fun Flavour To The Kitchen.

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Now that the New season is well and truly here, you might be looking at your home as a whole and wondering what you can do to make it more exciting. The kitchen is the heart and soul of the home, and if you are looking to update your living space this year, it could be one of the first places you start. Today we are going to look at some fun ways to add colour and flavour to your home this year.

New knobs

One method of making the kitchen feel refreshed and new without even really trying is to replace your old door knobs with new ones. If you had boring wooden or silver ones before, upgrade these to copper or gold for a stunning setting which will be ideal for you.

A bright floor

If you want to be outside of the norm this year and more exciting in your home, epoxy floor coatings are the way forward. Rather than sticking to traditional marble, wood or stone effects on your floor, why not try a colour? Covering the floor with a bright colour such as yellow or blue could be a great way to life the whole room and it will be a talking point every single time someone comes to see you in your home.

Acrylic patterned splashbacks

Speaking of bright colours, another method to add some extra colour to the home would be to add an acrylic splashback which is bright and bold. A splashback can be a great feature for the kitchen and a centrepiece of your design, and you can be as bold or reserved with the colour as you like!

Fun artwork

Artwork is always something which is great for the home, and in the kitchen it is no different. If you find that you have a lot of empty wall space in the kitchen this year, it could be a great chance to add some artwork. You could either choose images of the outdoors and flowers to help feel as if the kitchen and garden are linked, or you can instead think about something more abstract with bold colours and patterns. Find inspiration online and have fun with it.

Hanging herb garden

A herb garden is not only a great decoration for the garden but it also provides a great way for you to spice up your cooking, literally. Hanging a herb garden on the wall with your favourite flavours can be a wonderful feature and the ideal way to make sure that your cooking is top class.

If you’re happy and you know it….

Hang your pans! If you have a lot of space up above in your kitchen and you are looking for a countryside vibe for the space, hanging your pans in the middle of the room above your heads can be ideal. It is a feature which is stunning and modern and classic at the same time, and it allows you to show off those fancy copper pans you bought last Christmas!

Settling Your Fears When Considering Your First Home

One of the key focuses of my blog is Financial Literacy/Money. One of the largest investments any of us will ever make is our primary residence. There can be a lot of fear associated with purchasing one’s first home. The following contributed post is entitled, Settling Your Fears When Considering Your First Home.

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Your first home is often one of the largest milestones of our life. Of course, we enjoyed living in our childhood place, but there’s something much more prominent, and something that signifies the next chapter of our lives when we decide to purchase a home. But, like anything exciting and anything signifying wonderful change, it might be that this progression scares you a little. That’s good. It shows that you care.

But too much fear and you’ll neglect making a move at all. Sometimes a nice middle-ground can be found, and might give you more to think about while still helping you structure your cautioned approach. Settling your fears when considering your first home is not an easy task, but it can be achieved if you consider the underlying foundations of why this decision is being made in the first place.

With the following advice, we hope you can move forward, or pause this approach, with a little more surety.

Square Yourself Away Financially

It’s essential for you to have an ideal idea of what your financial limits are when considering a home. If you have slightly less than that you might need to set yourself up ideally? It might be worth waiting just to grow your savings a little more. If now is a fantastic time to invest in a certain area and you can stretch to the cost relatively comfortably? It’s worth considering. This is where SBA loans can come in very handy, as with an excellent arrangement you may not need to worry about staying within too-difficult limits, and instead give yourself that room to breathe.

Longevity

It might be that the idea of signing yourself away to a financial commitment that could last decades is worrying. Well, that’s true. Thinking so far ahead in the future could be a strange prospect to even consider, especially if you’re only just married or have only just brought a baby into the world, and are having to deal with those responsibilities too. This is where considering the current progression of your life is important. Remember, you won’t experience all that time in one fell swoop. You’ll take it one day at a time. If your relationship has been incredibly stable, if you have the support structure in place, if you have job security or alternate transferable skills, it might be that the future is something you know you can deal with. Plus, it will only get easier as you progress.

Jumping In Blind

It can be hard to know if you’re making the right decision. What if the home has hidden damage and rot you miss when inspecting it? What if this area isn’t as nice as it might have been advertised? What if you might not be guaranteed a spot in the best local school when your child grows? This is why it’s best to conduct research as you grow, to prevent jumping in blind yes, but also to give you a competent means of understanding the finer deals. With hired professionals to help you inspect or conducting online research, you will tick off those variables well.

With these tips, you’re sure to settle your fears well when the prospect of finding home ownership comes up.

Easy Ways To Add Value To Your Home This Year

A key focus of my blog is Financial Literacy/Money. The biggest investment for many people is their home. Many things effect home prices – some of which are in our control and some of which aren’t. If you can add value to your home, it’s worth the effort. The following contributed post is thus entitled, Easy Ways To Add Value To Your Home This Year.

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No matter which way you look at it, buying a home is a major investment. In fact, it’s likely to be the biggest one that you make throughout your entire life. However, that doesn’t necessarily mean that you’ll stop with one house. If you plan to work your way up the property ladder and buy bigger and better houses later, then you need to make sure that your current home turns a profit. With that in mind, here are six improvements you can make to add value to your home this year.

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1. Spruce Up The Garden
When potential buyers arrive at your home, they may already know the asking price, and will immediately start to question whether or not it is worth the investment. For this reason, it’s vital that you make a great first impression. As the first thing buyers see, this means that your garden must be in good shape. From weeding to painting, there are lots of ways to boost curb appeal.

2. Repair The Damaged Roof
Any sort of structural issue can significantly harm the value of your property, but, because it’s on show for everyone to see, a damaged roof can be an even bigger problem. When you repair this issue, you could take the opportunity to make your roof more energy efficient, by investing in Tamko shingles. As energy costs are on the rise, this can be very appealing to potential buyers.

3. Upgrade The Kitchen Area
The kitchen is the heart of most homes, so, naturally, it’s a place where surveyors and home buyers pay a little more attention. With that in mind, you should look for ways you can upgrade your kitchen space. If you plan to sell your home with appliances included, then start by replacing these with new energy-efficient models. This can help you to save money in the meantime too.

4. Replace Any Old Windows
Good-looking and energy efficient windows add instant appeal to your home. Not only do they look great and cut energy costs, but they can also make the house more comfortable, by trapping heat and reducing noise pollution. Because of this, you should consider replacing your old windows with double glazing. Just make sure that the finish and style are right for your home.

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5. Add Extra Living Space
As long as it’s in keeping with your home and done well, adding living space is always a good investment. You could add an extension or a conservatory, for example, or even convert the attic or basement. This can increase your buyers list, by making your property an option for larger families. If you don’t have the find to increase living space, try to add some extra storage instead.

6. Make The Space Lighter
Increasing living space can be beneficial, but it’s also quite costly. If this is just too much for your budget to handle, then make your home lighter instead. This will give the illusion of space, which will increase your home’s value. There are a number of ways to go about this, but some of the simplest include keeping your windows clean, painting the walls white, and adding mirrors.

Whether you want to sell your home or not, improving its value can only be a benefit. Hopefully, with the advice above, you have some idea of where to start.

House Proud: Finding Ways To Love Your Home

A key focus of my blog is Financial Literacy/Money. The greatest investment, many people will ever make is their home. Once you’ve made the purchase, transforming it into the optimal space for you is a key for your wanting to stay there long-term. The following contributed post discusses this and is entitled, House Proud: Finding Ways To Love Your Home.

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With the price and scarcity of modern homes, most people don’t feel like they get the chance to live somewhere which they will love. Being forced to make compromises based on money or space, people are left looking at their home as if it is a simple tool, and this couldn’t be further from the truth. To help you out with this, this post will be exploring some of the work which can go into giving yourself a greater love for your home. With all of this in mind, anyone should be able to adapt their space into something which works better for them, even when you have a complicated lifestyle.

What Do You Do?

As you start this journey, one of the first things you will need to explore will be the hobbies and interests which you like to invest your free time into. These parts of your life are some of the most important to you, and it makes sense that your home should reflect this, with companies like SATP being able to push you towards creating a place which enables you to throw yourself into your hobbies. For example, if you really like to fish, you could look for a place which has a river on the property. This will give you the chance to spend far more time doing something you love.

How Does It Look?

Function isn’t everything when you’re trying to improve your home, and style plays a big role on the way that people feel about spaces like this. Instagram is a great place to go when you’re looking for inspiration for areas like this. Millions of people post each day, and this means that there are loads of photos to go through all the time. While changing the colour of your walls will be a little bit awkward, the work itself won’t be too hard, making it worth putting some time into doing some decorating for yourself. It will make you feel very proud inviting people into a home which you really like.

Collecting Memories

Of course, in reality, a large part of the way that a lot of people will feel about the spaces they visit will be based on their memories. When you’ve spent loads of time with your family at home, it will be easy to feel calm their, and you will constantly be reminded of the time you’ve spent together. This area is the easiest of them all, with friends and family being the perfect tools when you’re trying to build some positive memories. A camera can be helpful with this, but it will be important to make sure that you don’t miss out on real memories as a result.

With all of this in mind, you should be feeling ready to take on the challenge of making your home into something you can love. There are always loads of routes which can be taken with work like this, though a lot of people will ignore them, simply accepting their space for what it is.

Costs You’ll Need To Consider When Buying A Home in 2019

A key focus of my blog is Financial Literacy/Money. A key component for wealth-building for most people is the purchase of a home. The more research done ahead of the better. Markets are different as are years. The following contributed post is thus entitled, Costs You’ll Need To Consider When Buying A Home in 2019.

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Will 2019 bring a big purchase for you? For some readers this will be the year in which all of your scrimping and saving pay off and you finally get a foot on the property ladder. It may be the year in which you upsize your home to accommodate a new addition to the family. Or it may even be the year in which you get your first ever investment property and begin to earn money as a landlord. Whatever your reason to buy, 2019 looks to be a promising year for property. Interest rates have been hiked multiple times throughout 2018 (more on those later) but they now show signs of stabilizing. Lawrence Yun; chief economist of the National Association of Realtors told the Washington Post;

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““The forecast for home sales will be very boring — meaning stable” although Yun was quick to note, “Home-price appreciation will slow down… The days of easy price gains are coming to an end, but prices will continue to rise.”

While 2019 seems as safe a time as any to invest in property, buyers will need to familiarize themselves with some of the costs incurred when buying real estate, especially if they are doing so for the very first time.

Interest rates

After years of stagnation, interest rates have risen sharply with no less than 3 interest rate hikes from The Federal Reserve in 2018. While rising interest rates are nowhere near bad enough to result in negative equity or chase buyers away from the market in their drives, but it is significant enough to add a little extra onto your monthly mortgage repayments.

The difference will depend on the size of the property you wish to buy. It could be as little as $50 or it could be a couple of hundred dollars.

Surveys

There are a number of different types of surveying which the property may require and it’s up to you to find a good engineer to carry them out. The property may well be subject to;

• ALTA / Land Title surveys (usually required by mortgage lenders)
• Surveyor’s real property reports
• Property boundary surveys
• Easement surveys (a survey that determines where an outside agency, for example, a utility company has the right of access to a portion of your property to carry out necessary maintenance or repairs.

Realtor’s costs

Unfortunately, realtors don’t like to work for free. Between your agent and the seller’s agent you can expect to pay around 6% of the value of the property in realtor’s fees.

Property taxes

They’re the only thing in life that’s certain other than… Wel, you know!

Closing costs

Aside from the surveyor’s fee you will likely also have to pay a range of closing costs to cover the legalities of conveying the property from the seller’s ownership to yours. These may include;

• Appraisal / valuation fees
• Wire transfer fees
• Underwriting and origination fees
• Document prep fee
• Credit report charges
• Title insurance: This protects you in the event that the seller doesn’t actually have full deed and authority to the property.
• Recording fees.

Miscellaneous running costs

Finally, you’ll need to account for all the extra miscellaneous costs that come with running your new home. These can quickly add up even if you live a frugal life. For example, if you’re used to an apartment, you may find that a house costs more to heat, water and tax.

Still, so long as you’ve taken the time to familiarize yourself with the inherent costs of buying real estate in this day and age, there’s no reason why you can’t enjoy the home of your dreams in 2019!

3 Suggestions for Setting up a Home Office

The first principle of my blog is Creating Ecosystems of Success, and two of its key focuses are Financial Literacy/Money and Business/Entrepreneurship. Many entrepreneurs must set up offices at home to carry out their operations, and this space can be critical for concentration and production. Some aspects will make your space more conducive to productivity. The following contributed post is therefore entitled, 3 Suggestions for Setting up a Home Office.

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Image via Pixabay

Whether you want to embark on an entrepreneurial path and chart your own professional destiny in life, as your own boss, or whether you just want a quiet place to sit, journal, and reflect — a home office is a fantastic and multi-dimensional gift to give yourself.

A good home office should be a place where you can shut out the concerns of the outside world, and invest yourself wholeheartedly in whatever endeavour you’re pursuing. It should be a self-enclosed dimension where you can pen that novel you’ve been working on, produce your blog posts for the next week, or even just read and absorb a book without any significant external distractions.

Of course, a good home office has certain traits. Here are some suggestions for getting your home office set up to a decent standard, in short order.

Your chair is your most important tool — choose one that you can bear to sit in for hours at a stretch

Adjustable standing desks can be a great addition to any office, since it’s good to alternate periods spent seated with periods spent on your feet and moving around, for overall health reasons. In reality, though, you are likely going to spend the vast majority of your time in your home office sitting down.

Your chair is, therefore, your most important home office tool. It has to be something that you can bear to sit in for hours at a stretch. Ideally, it will even be a pleasant experience, as much of your ability to do productive work, or absorb information, will rely on your not being simultaneously distracted by physical discomfort.

Address every aspect of what make for a good office chair. Make sure it’s well-padded. See that it has the best caster wheels for ease of movement. Check that the back support works for you.

Eliminate all distractions from the area, to the best of your ability

The famous author Stephen King has written that authors should “close the door” while working on their books — at least until the draft is ready for other eyes. In this context, he uses “close the door” both literally and figuratively, and advises aspiring authors to work in isolation, to filter out distractions, and to keep their work hidden from prying eyes during the early drafts.

Though this advice was intended for authors, it can be applied to anyone who writes, or has any sort of creative or thoughtful work to attend to, at all.

A distraction-free environment reduces procrastination, boosts productivity, and aids focus. Ensure your home office doesn’t feature TVs, videogames, or anything else of the sort.

Keep the space tidy — an organised desk (and office), means an organised mind

With the constant flow of information that we’re all exposed to, courtesy of the internet and other modern technologies, many of us suffer from chronically disordered thinking, and an inability to strategise and focus.

Keeping your home office space meticulously tidy can help to counteract this chronic low-level chaos, and aid clear thinking.

It seems to be the case, psychologically speaking, that when our immediate environments are messy, cluttered, chaotic and disordered, our thoughts come to be so as well. By contrast, an orderly, neat, and well-structured environment promotes focused and structured states of mind.