Category - life coaching

Stay Motivated When You Are Working From Home

Stay Motivated When You Are Working From Home

Whether you’re home alone and the house is too quiet, or you’re home with the family and the kids are out of control, you may find it’s tough to stay on task, get your work done, and feel productive. Fortunately, the following strategies can help you stay motivated when you work from home.

1. Create a Schedule

Without a structured workday, time can get away from you. You might find that you start shifting your workdays later and later as you sip an extra cup of coffee. Then, your work hours extend later into the evenings, which causes you to stay up later at night as well.

2. Establish a Dedicated Workspace

You might be tempted to work in bed. After all, it’s likely the most comfortable space in the house. But when you associate your bed with work, it can interfere with your sleep. And trouble sleeping will affect your performance the following day. Most sleep experts recommend reserving your bed for sleep and sexual activity.

3. Work in Small Blocks of Time

Blocking out small amounts of time—and planning what you’ll do during that timeframe—can make big tasks feel more manageable. You might find you have more motivation when telling yourself that you just need to complete one invoice in the next 30 minutes, rather than telling yourself that you have 50 invoices to create by lunchtime.

4. Limit Your Distractions and Interruptions

You might find that you struggle to get back on task each time you’re interrupted. You can stay motivated by limiting the distractions and interruptions you experience. This may mean muting your phone notifications and only checking your email once an hour. Or place your phone on “Do Not Disturb” until you complete a specific task.

5. Practice the “10-Minute Rule”

It can be hard to convince yourself to start working on a task you really don’t want to do. Whether you know it’s going to be boring, frustrating, or just really challenging, convincing yourself to get started is tough. One of the best ways to get moving on something you don’t want to do is by using the “10-minute rule.” Tell yourself that you only have to work on something for 10 minutes. Then, after the 10-minute mark, you can take a break if you want.

6. Reward Yourself

You might find you work best when you know there’s a little reward waiting for you. For example, tell yourself you can watch your favorite show if you get your work done by 6 PM. Or tell yourself you can have a cup of your favorite tea as soon as you finish this report.

7. Challenge Yourself

Sometimes, a little challenge can help get you moving too. For example, you might try to write a certain amount of words in 30 minutes. Once you see how many words you write in 30 minutes, you might try beating that during the next 30-minute time slot.

5 Simple Ways To Pay Off Your Mortgage Early

5 Simple Ways To Pay Off Your Mortgage Early

By paying off your mortgage early, you won’t just increase your available funds each month—you’ll also reduce the amount of interest you pay over the life of the loan. That’s more money you’ll have later down the line to put toward those big dreams.

1. Cut Your Expenses

When it comes to finding extra money to put toward your mortgage, expenses are a smart place to start. By reducing your expenses, you just might find some wiggle room in your monthly budget that can go toward paying down your mortgage faster.

2. Make Scheduled Extra Payments

First, you’ll want to figure out how many extra payments you want to make each year—whether it’s an extra payment each quarter or one extra payment a year, there’s no wrong answer. Once you figure out the total dollar amount you want to spend annually on extra payments, you can set up an automatic savings plan at your bank to sweep some cash each month into a special savings account.

3. Convert to Biweekly Payments

First, you’ll want to explore if biweekly payments are available with your current lender. As a note, you should never have to pay a fee to set up a biweekly payment option. If your lender charges one, you’re better off making an additional principal payment each month along with your regular monthly payment.

4. Refinance Into a 15-Year Mortgage

Many borrowers initially opt for the lower monthly payments that come with a 30-year fixed-rate mortgage in order to free up more cash flow. As incomes and lifestyles change, however, you may find that you’re able to put more toward your mortgage each month. While making the leap from a 30-year to a 15-year mortgage does involve a substantial payment increase, you’ll also pay off your mortgage in roughly half the time.

5. No closing costs

You may come across lenders that offer “no closing costs” refinancing options. While those look appealing on the surface, there’s simply no such thing as a free loan. Compare interest rates and other fees, and you’ll find where the lender makes its money.

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