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How to Stay Motivated While Working From Home

Who isn’t guilty of fantasizing about working from home — until about a month later, when you’re sitting in your pajamas and haven’t left the house during daylight hours. With limited separation between the personal and the professional and little contact with others, working from home can become depressing and discouraging.

After all, not only do you depend on people, but your careers depend on people. You require interaction to be successful. The opportunity to talk things out in order to come to a conclusion and create innovative ideas can be tough without the lunchroom.

Thankfully, technology is an enormous help in terms of connecting us with others. Joining virtual, industry-based groups and committees in which you can ask questions and share ideas and thoughts with legitimate professionals helps you avoid stagnation and foster an environment of innovation — all from the comfort of your home.

However, while you should take advantage of professional networking websites, the important thing is to take these connections offline — especially when you don’t have a regular routine that allows you to bump into colleagues in the elevator or chat up a potential new client while waiting in line to grab coffee.

After you’ve gotten all the surface stuff out of the way online and have established that this is a relationship worth investing in, a meaningful face-to-face conversation about trends in your industry, who your mutual colleagues are, your respective challenges and a list of what you can do to help each other. Afterward, you’re to be caffeinated and motivated when you return to your “office.”

And this office space of yours is another thing to consider. It’s fine to admit that you find yourself most productive in your bed — unless that bed is filled with your kids, dog and husband. Laser focus and discipline are essential for telecommuting — and hard to achieve in a room filled with loved ones and laundry. Ideally, you’ll have both physical and mental space conducive to concentration and output.

For concerned employers, it’s not a bad idea to check out your employee’s new “cubicle” to ensure that it meets all applicable employment laws and obligations. And speaking of obligations, the best flexible working environments have clearly defined and communicated duties, expectations and deadlines between employer and employee. (And it’s not a bad idea to include customers and co-workers as well.)

Because of the inherent self-motivated nature of this kind of flexible environment, it’s important for both employers and employees to note that whether you’re more an overachiever or procrastinator, you are more likely to go to your extreme without someone looking over your shoulder. This means employees need to be self-aware and either work with a clear to-do list (and a promise to steer clear of the TV remote), or have a timer that indicates the day is done.

As a business owner, remind yourself that what you saw at the office is probably what’s going down at home. There might days (usually after four or five in a row) when you haven’t seen hide nor hair of some of your staff, and the agita it produces might make you wonder if you need to refine your policy.

What you need to remember is that the motivated professional you hired is no more likely to be playing Candy Crush at home than if she was at the office. As long as she’s getting the work done, do you really care that she’s doing it at 10 p.m. because she decided to go for an afternoon run?

When it comes down to it, a flexible working environment requires trust, and interestingly, this is exactly what employees are looking for. One of the No. 1 “wants” an employee seeks at the office is the trust of her employer. Flexible work hours and telecommuting are an excellent way of demonstrating trust.

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How to Stay Motivated While Working From Home originally appeared on usnews.com

Don’t Settle for Student Loans to Pay for Online Education

Online college programs are becoming a more popular choice for prospective students, with one study finding that more than 6 million students enrolled in at least one online course in fall 2015. The popularity of these courses can be attributed in part to their flexibility with working adults' schedules, students' ability to progress more quickly through online programs and, oftentimes, cheaper tuition. [See 10 low-cost online bachelor's programs for out-of-state students.]Online degrees can be beneficial to many college students, but some studies have shown online learners complete their programs at lower rates than students at traditional brick-and-mortar campuses. Individuals with student loans but no degree comprise two-thirds of defaulted borrowers. Though these numbers are not encouraging, just like for traditional programs, there are ways to reduce how much you'll need to borrow for an online program to ensure you won't become one of these statistics. Don't just settle on borrowing student loans to cover the whole cost of your program and living expenses. Instead, start thinking about how to cut costs and cover your balance in different ways, such as the following. -- Grants and scholarships: Even though you are taking an online course, you can still apply and receive grants and scholarships. But your first step should be to complete the Free Application for Federal Student Aid, commonly referred to as the FAFSA, which will allow you to receive a Pell Grant if your expected family contribution is low enough. The EFC criteria and award amounts are adjusted annually, but the 2017-2018 academic year awards range from $606 to $5,920, which could significantly lower the amount you borrow annually. Your next step is to apply for scholarships. You can start by checking online scholarship search engines, such as the Salt Scholarship Search, College Board's BigFuture and Peterson's. But don't forget to take advantage of local organizations and your school's financial aid office. Both may offer scholarships that you can't find with a national scholarship search. [Review these 10 sites to kick off your scholarship search.]For instance, organizations like the Elks Club, Knights of Columbus or the Rotary Club typically offer scholarships annually to local students. Just because you're going to school online doesn't mean you're ineligible. Visit your local library for scholarship listings, and ask around town. You might be surprised how many local organizations offer scholarships. While these scholarships typically aren't large, every little bit counts. Each dollar you receive in a scholarship is a dollar you don't have to borrow and pay interest on. -- Work-study: Another option for online students may be work-study awards. Not all students enrolled in online programs are eligible, but students at some schools -- including, for example, SUNY Empire State College and Liberty University -- are. Work-study awards are not given upfront like scholarships and grants. In most cases, they are an offer to earn up to the awarded amount if you secure an eligible work-study job. While there is a misconception that all work-study jobs must be on campus, students can work for off-campus, nonprofit or public employers as long as the work is in the public's interest. You may be able to work for a for-profit employer if the job is relevant to your course of study. No matter who the outside employer is, it will need to have an established agreement with your college for you to receive work-study funds. Remember, to be eligible for federal financial aid, you must be enrolled and pursuing a degree or certificate. If you're not working toward a credential, Pell Grants and work-study won't be option, but you may still be able to take advantage of private scholarships -- just be sure to read the eligibility criteria carefully. [Explore what to know about financial aid in online programs.]-- Pay as you go: One of the great benefits to enrolling online is the flexible schedule, which can allow you to complete your college coursework around your responsibilities. But prospective students often overlook using their part- or full-time job earnings as an option for paying for college. Almost 80 percent of college students in 2015 worked at least part time while attending classes, according to the National Center for Education Statistics. By budgeting and thinking strategically about your college costs, you can likely reduce your dependence on student loans by paying a portion out of pocket. Many -- but not all -- online programs are less expensive than traditional programs and often have shorter payment periods. Six, eight or 10 weeks are common course durations. Because of the frequency of payments in an online setting, you may be well-placed to pay as you go and possibly avoid borrowing altogether. Attending college online and avoiding student loans may be challenging, but if you are willing to put in the effort, you can limit the amount you need to borrow. More from U.S. News Q&A: Understanding Student Loan Discharge Eligibility Student Loan Refinancing Isn't Right for All Borrowers
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