Whether you work full-time at home or occasionally need to conduct business in the evenings or on the weekends, a home office a great way to utilize an extra room. A dedicated workspace in your home can be designed to increase productivity and comfort.
Here are 5 quick ideas to get you started because a little can go a long way.
- Invest in a good office chair. Investing in an ergonomic office chair is essential. You may be spending anywhere from 30 to 50 hours a week sitting in it, so your back will thank you. Purchasing one with multiple adjustments is ideal so it fits you just right.
- Switch up your lighting. Fluorescent lighting has been proven to be hard on the eyes. Make the switch to LED or halogen light bulbs in your home office and try to let in as much natural light as possible. Also, consider finding a desk lamp to reduce headaches and eye strain. Proper lighting, is proper design.
- Keep essentials in reach and organized. Nothing helps maintain productivity like a clean, neat home workspace. Select a desk with a lot of storage options or install creative shelving to keep items like pens, pencils, extra batteries, calculators, notepads, and more stored within arm’s reach.
- Decorate bright. Pick a color you love and use it to spice up the room. Use cheery yellow or red or relaxing tones like green and blue, instead of beiges and browns.
- Aim for the view. If possible, place your desk so you are facing a window instead of a blank wall. Natural light can do wonders for staying alert and it allows you to give yourself a short mental break whenever necessary by looking to the outdoors.
For more ideas and a look a some fabulous office spaces check out https://www.architecturaldigest.com/gallery/home-offices-slideshow
How am I supposed to finance this home renovation project?
Outdated kitchen. Overrun backyard. Unusable basement space. If you’re looking to finance a home renovation, here are some of the most common options to make your dreams a reality.
Paying in cash is the most straightforward financing option. Save up until you have enough money to cover the expenses. This will help eliminate spending outside your budget, however, it can also extend your timeline.
If you’ve been making payments on your home for a few years and your interest rate is higher than current market rates, you could qualify for a mortgage refinance. This will reduce your payments and free up some money.
A cash-out refinance replaces your existing mortgage with a new home loan for more than you owe on your house. The difference goes to you in cash and you can spend it on home improvements. You must have equity built up in your house to use a cash-out refinance. This option is encouraged only when you’re making improvements.
Home Equity Line of Credit
Obtaining a home equity line of credit allows you to borrow money against the value of your home. You receive up to 80 percent of your home’s value, minus the amount of your loan.
Pulling money from a 401K or IRA account is another way even though they aren’t specifically meant to cover a home renovation. This option might incur additional penalties or tax payments. It might be worth it when making improvements that will benefit that will increase the value of your home in the long run.