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It’s as predictable as the dawn: A new generation enters the workforce, they shake up the status quo and they push their coworkers outside their comfort zones. Some seasoned workers love the changes; others aren’t quite as thrilled. But somehow, from the Greatest Generation to the Boomers, from Gen X to Millennials, everyone manages to adapt—and most of the time, things end up being better for everyone.

Right now, Gen Z (those born between 1997 and 2012) is that generation, bursting onto the workforce scene with energy, ideas, and ideals. And although the oldest of these digital natives are just hitting their mid-twenties, they’re already affecting the way businesses operate, from flextime to the freedom of freelancing to working remotely.

So … how is Gen Z likely to shift the workforce until the next demographic group comes along? Here are our predictions:

  • A greater focus will be placed on mental health. Gen Z has grown up in a world rocked by recession, global terrorism, public shootings, racial strife, and, most recently, a pandemic. Their sense of social justice is high, and so is their compassion and understanding that maintaining the traditional stiff upper lip won’t make troublesome issues go away. They’re not ashamed to admit that sometimes they need extra help to navigate a world that can change in the blink of an eye—and they’ll be sure their employers know that, too.
  • Diversity and inclusion will be non-negotiable. According to the Pew Research Center, Gen Z is the most racially and ethnically diverse generation. Generally, they don’t see race, ethnicity, or gender identity as something that divides people; rather, those factors reinforce the beautiful diversity of humanity. And they want that diversity to be recognized—for everyone to be accepted as they are.
  • “Work-life balance” will finally become more than just a buzzword. Work isn’t necessarily Gen Z’s reason for waking up in the morning. They’re comfortable bringing their authentic selves to the table, and they have no interest in pretending to be someone they’re not just to get ahead. They want time to spend with the people who matter most and time to advance issues they’re passionate about, like the environment, civic engagement, racial equity, and social change.
  • Healthcare will become a focal point. As Gen Z ages out of their parents’ health insurance plans, there isn’t much out on the market that can affordably and conveniently replace their coverage. Because they’re so comfortable with technology, they prefer telemedicine and other virtual options and will demand convenient, patient-centric, and holistic healthcare.
  • Companies will be challenged to become more environmentally responsible. Gen Z doesn’t just talk the talk when it comes to the environment; they’re actually driving the changes they want to see. They’re careful to patronize and work for businesses that reflect their values. They consciously choose travel methods that place less strain on the earth. And they’re becoming more politically involved, demanding that government and business do their part for the future of humanity.

Like their immediate predecessors, the Millennials, Gen Z are agents of change—and by 2025, they’ll make up about 27% of the workforce. Their individuality and their strong convictions about prioritizing purpose and quality of life over material gain can only improve the well-being of everyone in the workplace. Of course, like most change, there will be some push and pull. But in the long run, the generations are more alike than different. We all want happiness, security, appreciation, and fulfillment.

And if we’d bet on anyone to achieve that state of working and being, it’s this generation. Go forth and thrive, Gen Z!

Whew! Your tax return is signed and sent, and Uncle Sam has been paid (or has paid you). So now you can forget about taxes until next year, right?

Well … not quite yet. It’s a good idea to do a quick review each year of how the tax process went for you to see if there’s any wisdom you can tuck into your tax file for the next year. Here are five takeaways that could make next year’s tax time run much smoother—and possibly be even more financially rewarding.

Tax takeaway 1: Pay estimated taxes during the year

If you usually owe money to the government at tax time (and ouch, a large tax payment can be tough to come up with by April 15), consider paying your estimated federal taxes once per quarter, for a total of four payments. You can pay your entire tax bill, or just the portion that your paycheck withholding doesn’t cover. Either way, it will help avoid a nasty surprise come tax time.

Tax takeaway 2: Check your withholding

When taxes aren’t paid by April 15, you could owe the government penalties and interest. When you get a refund check, you’re giving the government an interest-free loan that could increase your paycheck instead. Why not aim for the sweet spot of neither owing nor receiving by adjusting the amount of tax withheld from your pay? Your tax professional can help you determine the right filing status and withholding amount for your situation. Then, you can work with your employer’s human resources department to file a new W-4 form that will adjust your per-pay withholding.

Tax takeaway 3: Seize your retirement savings opportunities

Whether you work for an employer or are self-employed, don’t let April 15 pass without adding to an IRA or your company’s retirement plan. You’ll get a deduction for IRA contributions (or an income exclusion for 401(k) contributions). And bonus, you’ll get a tax credit for making the contributions. If you haven’t done this yet, check with your tax advisor to make sure you have all the details.

Tax takeaway 4: Consider a Health Savings Account (HSA)

Healthcare costs are skyrocketing—and it doesn’t help that a) so many healthcare plans today have a high deductible; and b) most people never qualify for the medical deduction at tax time. If you have a high-deductible health insurance plan, it may pay to look into an HSA. The money accumulates tax-free, and you’re allowed to take tax-free withdrawals for qualified medical expenses. Check with your employer, or with a bank or brokerage in your community, to see if they offer HSAs.

Tax takeaway 5: Keep your tax records up to date all year long

As you go through the coming tax year, make sure you have the records for anything tax-related: receipts, canceled checks, donation acknowledgments, credit card statements, etc. It’s especially important in the following categories:

  • Charitable contributions
  • Real estate and personal property sales
  • Solar/energy-efficient home upgrades
  • Securities transactions
  • Cryptocurrencies

A minute here to set up a folder and a minute there to file receipts will help you avoid the tax-time scramble.

Summing it all up

If tax time was stressful this year, take some time now to look over this year’s tax return with an eye toward improving your situation next year. You might even want to consider working with a tax professional who can not only help you with your taxes but also minimize your tax obligations and set you on the road toward a more secure financial future.

Filing taxes for 2020 was…challenging. Yes, that’s a good way to put it. Not impossible, but not exactly fun, either. While your 2021 return hopefully won’t be quite as much of a challenge, there are still several unusual factors to be accounted for (e.g., Child Tax Credits and Economic Impact Payments).

However, there are some simple steps you can take now to help make filing those tax returns easier come January.

Gather your tax records

The best tax records are organized tax records. If your records aren’t quite there, now is the perfect time to get them together.

First, be sure to notify the IRS if your address has changed and notify the Social Security Administration of any legal name changes.

Next, you should have any year-end documents you’ve received from the IRS, such as:

  • Letter 6419, the 2021 Total Advance Child Tax Credit Payments
  • Letter 6475, your 2021 Economic Impact Payment
  • Form 1095-A, the Health Insurance Marketplace Statement

Most income is taxable, including unemployment income, state tax refunds, gig economy income and virtual currencies. So, you’ll need the following documentation:

  • W-2 from your employer(s)
  • 1099-INT or 1099-DIV from banks, unemployment compensation, dividends, and distributions from a pension, annuity or retirement plan
  • 1099-K, 1099-MISC, W-2 or any other income statements for contractors, freelancers and other gig economy workers
  • Any other income documents and records of your virtual currency (e.g., Bitcoin) transactions
  • All 2021 information related to the Child Tax Credit and Premium Tax Credit
  • If you received a third Economic Impact Payment and believe you qualify for an additional amount, you’ll need your stimulus payment and plus-up amounts to calculate and claim the 2021 Recovery Rebate Credit
  • Cash and non-cash charitable contributions

Don’t forget the other “usuals,” such as Form 1098 for mortgage interest you paid, receipts for deductible expenses, and your books and records for any business income and expenses.

Set up your online account

If you haven’t set up an online IRS account yet, do it now (you’ll find links and information at irs.gov/individuals). If you already have an online account, make sure you can still access your account. An online account is important because it allows you to securely:

  • View the amount of your Economic Impact Payment(s)
  • Access the Child Tax Credit Update Portal
  • Approve or reject authorization requests from your tax professional
  • Update your email address and opt-in or out of paper notices

Other steps

If you always receive a paper check because you don’t have a financial institution, this is an excellent time to open an account at an FDIC-insured bank or an NCUA-insured credit union. That will enable you to receive your tax refund by direct deposit, which will get to you much faster than a paper check.

If you prefer not to work with a financial institution, you can even get a pay card from your local grocery store or a large retailer like Walmart and have the refund deposited to the card.

Also, check with your tax professional on a couple of important questions that may not make a difference in this year’s return but will give you a jump-start for the 2022 tax year:

  • Do I need to adjust the amount I withhold from my paycheck? (The IRS also has a Tax Withholding Estimator for your use at irs.gov/payments/tax-withholding)
  • Should I make estimated tax payments? (This is especially important for gig workers)

In anticipation of a more “normal” tax season, the official tax deadline has reverted to April 15. So, we hope this information will get you started on prompt and easier filing.

If you’d like more information, irs.gov/filing has a library’s worth of information to help you prepare for filing your 2021 tax return. As always, our firm is current on the latest rules and regulations, and we’re available and ready to help. Here’s to a stressless tax season for us all!

In a financial transaction, it’s all about the paper trail.

As a small business owner, whenever you conduct a transaction—even something minor like purchasing a box of pens for your business—the receipt for that transaction and any supporting documentation become what’s known as source documents. Those original documents, in turn, become an essential piece of the paper trail your accountant follows to create accurate tax returns and other types of financial reporting for your business.

If you’d like to understand the importance of a paper trail for a business owner, this quick primer is for you. And if your accountant or bookkeeper’s smile turns the slightest bit strained when you tell them you don’t have documentation for all your transactions, you should definitely start reading. Right now.

Why are source documents so important?
Source documents detail the basic facts of a transaction—amount, date, payee and purpose. Without this information to back up your business transactions, your accountant doesn’t have the full financial picture needed to prove that you earned every bit of your tax refund or qualify for a small business loan. It’s your financial team’s job to be sure anything you report to the government and other institutions is thoroughly backed up by proof—especially in the case of a tax audit when your transaction trails must be impeccably documented.

What kinds of source documents should I be keeping?
Common source documents include:

Proof of both purchases and expenses, such as:

  • Cash register receipts
  • Credit card receipts
  • Electronic receipts for online purchases
  • Receipts for travel, transportation, entertainment and gift expenses (this includes receipts turned in by your employees for expense reimbursement)
  • Purchase and sales invoices
  • Credit documentation for customer refunds
  • Receipt books and cash register tapes (for proof of cash sales)
  • Bank and credit card statements
  • Canceled checks and check registers
  • Deposit information for cash and credit sales
  • Employee time cards
  • Payroll reports
  • Employment tax records
  • Leases and contracts
  • Evidence of sale or disposal of asset(s)
  • Sales tax returns

Do I need to store the originals, or can I make digital copies?
It depends. Once the information has been recorded in the appropriate accounting journal (which should be done as soon after the transaction as possible), the source documents should be filed away where they can be easily retrieved if needed. Some accountants prefer to manage the documents for their clients, which can be easily (and digitally) done via the online portal you use to communicate with the firm. That way, your financial team has all the information they need stored securely in the cloud, available at a click. It also ensures they are ready to provide you with more meaningful insights into your business at any time.

If you prefer managing, storing, photocopying or digitizing the originals yourself, you should still check with your accountant or bookkeeper to be sure any copies meet the information and legibility standards of any agencies that may need to see them.

How long do I need to keep all these documents?
Regulations on document retention vary. In general, the IRS recommends saving financial records that are necessary for tax filing and potential audits for up to seven years. Some documents should be saved longer than others, as this IRS schedule shows:

  • Financial records should be kept for three to six years.
  • Employment tax records should be kept for at least four years after the tax is due or paid.
  • If you forgot or neglected to file a tax return (which will hopefully never happen because it’s illegal not to file and pay taxes), keep your financial records indefinitely.
  • Permits to operate your business, current lease agreements and stock certificates should be kept indefinitely.

We know we’ve already said this, but your financial team can be your best friend in this very important aspect of owning a business. If you’d like to be sure your source documents are where they need to be, just complete the online contact form or give us a call. We’re here to help!

Owning a business is hard.

And yet many small business owners still try to handle everything themselves. Business planning? Check. Cash flow, revenue analysis, financial projections? Check—and double-check. (And triple-check, just to be sure.)

If you’re an overworked business owner, you might defend your choice by saying:

“Hiring someone for all those functions costs money. I can’t afford that yet.”

Understandable. But what would you say if there was a way to have these functions handled for you? A way to free you up to concentrate on growing your business—and all for an affordable fee?

Accounting advisory services: A CFO…without the CFO

You may have thought of an accountant as someone you only see at tax time, but a growing number of accounting firms offer other valuable business services. And one of the most useful and in-demand for the small business owner is advisory services.

Think of advisory services as filling the function of a CFO, without the salary and benefits. Just like a CFO, an accounting professional can focus on the bigger picture to help you look to the future—monitoring the short- and long-term financial health of your business and guiding you with strategic business planning and financial projections.

It’s a great compromise for the business owner who prefers to do what they do best—be an entrepreneur and grow their business—instead of toiling over the day-to-day minutiae of running the business.

Your advisor/accountant meets with you regularly to discuss financials and offer insight into your data via reports on budgeting and tax planning/minimization. She or he will also help you track and analyze revenue and profit, general and payroll expenses, credit card fees, cash flow, and industry-specific Key Performance Indicators (KPIs). Because ongoing analysis is critical to the long-term success and sustainability of your business, these regular meetings help keep your business goals on track.

What else can an accountant do for my business?

Your advisor/accountant can help you answer a number of important questions, such as:

  • Which business structure (sole proprietor, LLC, S-Corp, etc.) works best for my business?
  • Which tax deductions can I claim?
  • What does mean for me and my business?
  • How can I improve my budgeting and cash flow management?
  • What’s the best way to handle my personal and business tax returns?

Down the line, accounting professionals can also offer vital services like payroll and bookkeeping to a growing business, as well as advise you on the accounting software that works best for your situation. Plus, they’re well-versed in business situations that affect different phases of a business’s life—from improving internal controls and creating persuasive financial presentations for loan applications or potential investors to mergers and acquisitions, succession planning, and exit strategies.

If you’d like to free up your time to concentrate on growing your small business, ask us how we can assist you with advisory services that can give you a fresh perspective—and keep you focused firmly on the future.

A money-related trend to watch in 2022 is cryptocurrency. The IRS will be watching it, too, given the new reporting requirements for individuals trading and using cryptocurrency, which the agency has put in place effective January 1, 2023.

The passage of the Infrastructure Investments and Jobs Act (IIJA) shows that the IRS is serious about enforcing, strengthening, and standardizing requirements related to virtual currency. Here are some important tax-related facts to be aware of:

  • All cryptocurrency exchanges are now considered “brokers,” similar to traditional investment brokers.
  • The term digital asset is defined by the law as “any digital representation of value which is recorded on a cryptographically secure distributed ledger or any similar technology.”
  • For tax purposes, digital assets are considered the same as securities, similar to stocks, bonds, and certain types of commodities in the eyes of the IRS. Keep in mind that securities are also subject to the Securities and Exchange Commission (SEC), and this legislation does not address the SEC.
  • Reporting for cryptocurrency exchanges has also changed. These platforms are now required to report information to both the IRS and to their customers. This is in contrast to the fact that historically there have not been standardized requirements for cryptocurrency exchanges. Starting in 2023, the following information is required to be reported by cryptocurrency exchanges to the IRS: (1) name, address, and phone number of each customer; (2) the gross proceeds from any sale of digital assets; and (3) capital gains or losses and whether such capital gains or losses were short-term (held for one year or less) or long-term (held for more than one year).
  • Penalties will be applied to exchanges that fail to report the information detailed above. These penalties could be as high as $250 per customer, up to a maximum $3 million penalty.
  • Digital assets valued at $10,000 or more are now treated as cash received for any person engaging in a trade or business. This means that if you receive more than $10,000 in cash, you are required to file IRS Form 8300 (Report of Cash Payments Over $10,000 Received in a Trade or Business).

Although there are significant changes related to tax reporting and cryptocurrency, as long as you keep well-documented records of any virtual currency trading, buying, or selling activity and report it on your tax return, you should be in good standing with the IRS. Remember, these new reporting requirements are effective January 1, 2023, giving you ample time to prepare and make necessary adjustments.

Entrepreneurs tend to be cut from the same cloth—specifically in terms of multitasking. Many new business owners take on work from all areas of operation—including product/service development, customer service, sales, marketing…and even accounting. Best guess…you didn’t start your business because you are passionate about balancing the books. This work is time-consuming and complex. So, why not outsource it to a team of professionals so you can get back to the business you love?

A person using a calculator and computer.

There is a sure-fire solution to relieve you of never-ending bookkeeping work—and that solution is outsourced accounting services. Handing over your back-office compliance work is fairly easy and non-disruptive. Many accounting firms offer this service supported by an advanced online platform—which makes data, document, and communication exchange exceptionally easy and convenient.

When you outsource your accounting, you can expect to experience many benefits, including:

  • Significant efficiency gains and time savings—Working with a team of accounting experts will ensure a highly efficient process and free you to focus on growing your business.
  • A built-in advisor—You not only get a team to handle your compliance work, but also a year-round advisor to answer questions and guide you to make sound, data-driven business decisions.
  • Assurance you are using the best technologies to run your operation—Your advisor can also coach you on the best solutions to support your needs…from expense reporting and reimbursement to online bill pay apps.
  • Peace of mind—With tax codes changes and ever-evolving regulations, you will enjoy the peace of mind that comes with knowing a professional is handling your accounting and keeping you compliant.

Accounting represents a major element in your business. Make sure you have time to focus on other critical operational areas of your business by outsourcing your accounting to a professional firm.

Need more information on the value of outsourcing accounting services?

Contact us today! Simply click Request for proposal and complete the brief form or give us a call. We are here to help.

As we get ready to ring in 2022, we’ve rounded up 22 tax deductions you’ll want to have on your radar as you gather receipts and documents and consider end-of-year tax write-offs.

Tax-deductible business expenses 

  1. Advertising and promotion Business meals (100 percent deductible in 2021!)
  2. Business meal (100 percent deductible in 2021!)
  3. Business insurance
  4. Bank fees
  5. Business use of your car
  6. Contract labor
  7. Depreciation
  8. Education (related to your business; includes books tailored to your industry and transportation expenses to and from classes, seminars, and workshops)
  9. Home office expenses
  10. Interest on business debts
  11. Legal and professional fees
  12. Moving expenses
  13. Rent expenses
  14. Salaries and benefits
  15. Taxes (e.g., state, payroll, personal property, real estate, sales, excise, and fuel)
  16. Business licenses
  17. Telephone and internet expenses
  18. Travel expenses

Personal tax deductions for business expenses 

  1. Charitable contributions
  2. Child and dependent care expenses
  3. Retirement contributions
  4. Health care expenses

These expenses are tax-deductible but don’t assume all of them apply to your business. Check the rules for each one at irs.gov or contact our firm for assistance so you can start planning ahead for next year, too.

When it’s a challenge to pay your basic expenses from month to month, it can seem impossible to set aside money for emergencies that may never happen. But you need only look at the effects of the COVID-19 pandemic on the U.S. economy to realize how abruptly things can fall apart.

A December 2020 MagnifyMoney survey found that 43 percent of consumers with an emergency fund needed to tap their funds during the pandemic. That number jumped to 64 percent for those who were laid off or furloughed.

While a pandemic is a once-in-a-century occurrence, any financial emergency has the potential to devastate even the most carefully planned budget. If you’ve put off creating an emergency fund in the past, here are 5 compelling reasons to create one now.

Reason 1: Job loss.

As the pandemic showed, businesses close and jobs disappear without warning. Financial experts previously advised people to have three to six months’ worth of expenses saved to tide them over, but some experts are revising that figure to 12 months, to allow for increasingly longer periods of unemployment.

Reason 2: Health expenses.

It only takes one ER trip or an impacted wisdom tooth to create financial havoc, especially if you don’t have health or dental insurance. Even with insurance, you may still have to cover deductible and co-pay costs that exceed what you have in your flexible spending account…if you have one.

Reason 3: Home or car repairs.

Yes, you can use a credit card or a payday loan to cover car repairs, but then you’re saddled with debt that grows larger each month. And even if you have homeowners’ insurance, not everything may be covered—for instance, an old refrigerator that needs to be replaced ASAP.

Reason 4: Pet health issues.

What if your dog, cat, ferret, etc. has a medical emergency or needs surgery? Even today’s pet insurance policies don’t cover all costs. The emergency vet visit alone can cost several hundred dollars, and depending on the type of surgery, you could end up paying several thousand dollars.

Reason 5: Unexpected travel for family illness or death.

If a family member or friend who lives far away is hospitalized or passes away, you may want/need to be there. Plane or train fare isn’t cheap, and hotel expenses can add up, too.

There are a number of smaller but important, reasons for accessing an emergency fund. A lost cell phone; a dying computer; sick days when you don’t get sick pay; broken eyeglasses; kids’ sports uniforms…every little expense adds up.

That’s why you’ll never make a better money move than starting an emergency fund, and here are some simple ways to kick your savings into gear:

  1. Set up a savings account separate from your regular checking and savings.
  2. Start small; even $5 per week will add up over time.
  3. If possible, have the amount that goes to your emergency fund automatically deposited from your pay, so you’re not tempted to spend it.
  4. Set achievable short- and long-term goals. Short-term: Deposit $5 four weeks in a row; increase your weekly deposit by a small increment. Long-term: Save $500.
  5. Deposit “found” money to increase your savings, i.e., the change in your pocket each night, birthday gifts of money, bottle deposit money, refunds.
  6. Don’t completely cut out all the things you enjoy, or you’ll be less likely to stick with your savings plan.

The key is to get started, so you and your loved ones can enjoy the best benefit of all: Peace of mind that you’ll have something to fall back on if the worst happens. If you’d like help achieving that peace of mind, just complete the online contact form or give us a call. We’re here to help!

Scheduling “me time” used to be a luxury for those who could afford it—now it’s a necessity for everyone.

With the constant stress of daily life between work, home and everything in between, it’s gotten harder and harder to find time to focus on ourselves. And it doesn’t help that we seem to constantly be on the go and need to be productive during every waking hour.

That’s why it’s important to schedule time in your day—even if it’s just 15 or 20 minutes—with no distractions, to calm the world inside your mind. Those few minutes can help you feel more grounded and enable you to shut off outside distractions. Calming your mind from outside noise will help you feel better mentally and physically and will help shape how you react to the world around you.

In this article, we dive into why self-care is important and provide tips to help you get started.

The importance of ‘me time’

“Me time” can sometimes be misconstrued as someone being selfish by putting their needs first. But the last several years have shown us that this is actually something everyone needs to schedule into their busy lives. “Me time” isn’t selfish—it’s a necessity for mental health.

Taking “me time” can help you gain better focus. It’s an opportunity for you to concentrate on you and your needs without worrying about everything else around you. When you take time to focus on relaxing your mind, you’ll be able to get back to the grind with a fresh perspective.

Additionally, you’re giving yourself the chance to recharge your mind and body. You’re focusing on what you need for yourself outside of work, family or any other external factors. It’s taking time to tackle your own to-do list that has nothing to do with anyone else. Things like finally finishing that book, starting that new blog, or jumping on the elliptical machine for 20 minutes—it’s all about you.

Scheduling time for yourself can be hard, but it’s important. It should become a daily habit, just like brushing your teeth or taking a shower. It’s good for your mind and your body, and it’s good for those around you. Here are some ideas to help you start making self-care a part of your daily routine.

8 tips for self-care

We know that it can be hard to take time to focus on yourself, and you may not know exactly where to begin. That’s why we’ve curated these eight tips to help you on your way.

  1. Schedule time on your calendar. Don’t rely on, “Oh, I’ll get to it,” when it comes to self-care. Literally schedule time on your calendar, whether it’s 10 minutes before you get up for the day or 20 minutes before bedtime.
  2. Take the time. We know how easy it is to dismiss the reminder for self-care. But it’s on your calendar and you’ve scheduled life around it, so take the few minutes to unplug and focus on you.
  3. Learn to say no. If you don’t have time to take on extra tasks at work or at home, it’s okay to say no. Taking on too much will eat into your “me time,” and your mental health may suffer.
  4. Get plenty of sleep. A good night’s sleep is important for self-care. Lack of sleep can make you irritable and cause brain fog. And while you aim to get enough sleep (seven to nine hours is recommended), also make sure you’re getting quality sleep (avoid all electronic devices at least an hour before bedtime).
  5. Get some exercise. You’ve heard that exercise increases endorphins and endorphins make you happy, right? Well, it’s true. Even just a 10-minute walk can increase serotonin, which is good for both your body and mind.
  6. Find a new hobby. Or make time for the hobbies you love. Whether it’s knitting, collecting baseball cards, creating crafts, or taking up golf, spending time doing something you love gives you something to look forward to.
  7. Nourish your body. What you put into your body can make a difference, and so does eating regularly. We know all about “hangry” feelings when meals are missed. Take time to eat nutritious food and drink plenty of water throughout the day.
  8. Get outside. Make time to get outside at least once a day, especially if you work from home. Soak up some vitamin D on a sunny day or enjoy some time sitting on the porch and listening to the calming sounds on a rainy day.

Get started today

The first step is always the hardest. But remember that scheduling time for yourself is important. Even on airplanes, you’re supposed to put your oxygen mask on before helping others. It works the same way with self-care: You have to take care of yourself first. When the chaos of the world is tumbling down around you, put on that oxygen mask and take a deep breath.