When home office blows up the account
Lots of pluses
Respondents saw overall positive effects on their everyday work and private lives. They felt more productive and found they could do tasks at home just as well as they did at the office. The advantage was that there was no need to commute to work and it was easier to reconcile work and family life. Those surveyed found the lack of contact with colleagues and the lack of separation between work and private life negative.
Whether a company can offer home office depends on many factors. In any case, there must be a contractual basis, because the office should be agreed as the place of work in most contracts. In addition, accessibility must be clarified, which work equipment is made available by the company and what, if necessary, the employee procures himself. Finding the right balance here is not easy. If the employer provides a notebook, this can already represent a monetary benefit for the employee from a tax point of view. This is the case if the notebook can also be used privately. Since this can hardly be prevented, it might make sense to buy your own new computer.
When the tide is low on the account
A decent office chair, the notebook and possibly an external monitor ensure that the work can be done well. In addition, there are office supplies and possibly a filing cabinet. Working from home entails costs that cannot always be met from current income.
A small loan from auxmoney, which is available from 1,000 euros, helps here. With it, financial bottlenecks can be overcome quickly and unbureaucratically. These mini loans can also be used with a less than optimal Schufa score. Fair interest and flexible installments offer conditions that keep the monthly burden manageable. The process is completely online and takes little time.
The loans come from private investors, so that all the bureaucratic work of banks is not necessary. auxmoney determines the creditworthiness with its own score and uses this value to calculate the interest due. A good credit rating pays off here, but even those who cannot show optimal credit bureau information have a chance.
fulfill wishes
Small loans are also suitable for the private sector. Christmas is just around the corner or the car needs a repair? The worst idea is to handle these expenses via the house bank overdraft facility. Although the key interest rate of the European Central Bank has been zero percent for what feels like an eternity, banks charge up to 14.75 percent interest on granted overdrafts.
A small loan is the better solution here. The decision is made quickly, with costs only arising when a loan is allocated. Then a small brokerage fee of 3.5 percent is due. Small loans help
- to replace a broken kitchen appliance
- take advantage of low heating oil prices
- buy a set of winter tires
- benefit from high discounts as a cash payer
and much more.
The beauty of private loans is that they are available within 24 hours of applying. The rates can be agreed flexibly.
Freelancers also use the home office
Working from home is not a new phenomenon. Many freelancers work from home for various clients. They also need office equipment, which cannot always be financed from the reserve on the account. This is especially true when the computer is broken. Banks are skeptical about financing because freelancers don’t get a guaranteed monthly salary.
The banks are thus excluding a group of professionals from cheap loans, which is growing rapidly. Since 1992, the number of “self-employed in liberal professions” has tripled to almost 1.5 million. A loan for the self-employed from auxmoney offers this group favorable conditions for making investments.
Conclusion
Home office is popular among employees and could be a modern working model in the future. Flexible small loans provide the necessary financial leeway for necessary investments.