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Months into working from home, it’s time to check in with yourself. How is your work-life balance? Have you figured out when and how you work best? And when did you last shower?As work and home life meld, it’s difficult to maintain boundaries, stay productive and take care of your mental health amid the pandemic.Since work from home orders are likely to stick around for those lucky enough to do their jobs away from their workplace, now is a good opportunity to professionalize your work habits and find a sustainable setup for the coming months.Know yourself and work accordinglyYou may instinctively know when you’re at your peak performance and what conditions you need to achieve it. Some people are at their best right after they’ve had their morning coffee and settled in at a desk. Others might sleep in and then start work while still in bed.Clearly defining when and how you work best helps you set clear expectations for yourself and your colleagues.To understand when you’re most productive, career coach and entrepreneur Felecia Hatcher recommends conducting a time audit. Track your workday in 15-minute increments for one week. “A time audit is going to radically change your life personally, and then you get to showcase to your boss when your most productive times of day are,” Hatcher says.Keep track of your audit in a spreadsheet or a notebook, detailing meetings, lunch breaks, blocks of time dedicated to heads-down work, and stretches when you don’t get much done. This will reveal when you’re productive and when you might be better served taking a break, going for a walk or taking a power nap.Next, think about conditions that help you focus.Some need to sit in a specific spot to accomplish anything. Others might just need an internet connection, wherever that may be. Bari Tessler, a financial therapist who has worked from home for two decades, says that only you know how you work best.“Every day is different and you have to go with the flow,” says Tessler. “You just have to know who you are.” Ignore prescriptive guidance about not working from bed or getting dressed like you’re going into the office. Create the conditions you feel most comfortable with.Structure — and communicate — your balanceUse your insights about how and when you work best to flesh out your idea of work-life balance or something close to it. Then bring that plan to your colleagues for a candid conversation.“I always look at the equation of time, money, energy, family and health, and I make all my decisions from that,” Tessler says.Finding your personal balance might mean being more deliberate about what you’ve already been doing, or making changes.For example, if you found you’re not particularly productive during regular working hours, think of ways to mix it up. You might want to block out time midday to run errands or meditate. Or maybe you can work alternative hours, outside of the typical 9-to-5. This might be a necessity for parents as some school districts plan to start the school year with virtual learning.If you haven’t already, establish an ongoing dialogue with your manager and colleagues. Hatcher advises using what you learned during your evaluation to guide the conversation.“Structuring your time is about setting healthy boundaries personally and setting work boundaries,” Hatcher says. “And using what you learned from your time audit can help you have a data-driven conversation with your boss rather than anecdotal conversation.”You might have to make compromises, depending on job requirements, but you’ll be working from a good starting point.Give yourself a breakYou may have seen social media posts saying, “You’re not just working from home, you’re working from home in the middle of a global pandemic.” While that might come across as a little melodramatic, it’s true.Between managing personal and financial fears around the coronavirus pandemic and grappling with the national conversation around racial inequity, having to face your job as if everything is normal can be exhausting.Hatcher says: “Things are so weighty right now. … We’re so quick to say, ‘My life is falling apart but I gotta show up tomorrow,’ but no, don’t do that. Take a break.”If you’re feeling burned out by work or overwhelmed by the news, look into taking time off if your work situation allows. An internet-free staycation can help you unplug, center yourself and return to work refreshed.This article was written by NerdWallet and was originally published by The Associated Press.More From NerdWalletCan You Really Trust Your Payment App?Why You Might Not Want to Zero Out Every Credit CardWhat to Do When Your 0 Weekly Unemployment Check ExpiresSean Pyles is a writer at NerdWallet. Email: spyles@nerdwallet.com. Twitter: @SeanPyles. 4777

NASHVILLE, Tenn. (AP) — Sarah Fuller has become the first woman to score in a Power Five conference football game by kicking an extra point. The goalkeeper for Vanderbilt’s Southeastern Conference women’s soccer champs got her chance on the Commodores' third drive of the game. Fuller, one of three kickers on the depth chart, came out for the extra point that tied the game at 7 late in the first quarter. She put the ball through the uprights and celebrated by pulling her first in before slapping high-fives with teammates with her family celebrating in the stands. An official gave her the ball. Two weeks ago, she became the first woman to appear in a Power 5 football game in a game against Missouri with a kickoff. There have been two previous female Division I college football players, Katie Hnida for New Mexico and April Goss for Kent State.Fuller is coming off the college soccer season, playing in nine games for Vanderbilt. Last month, Fuller helped Vandy’s women’s soccer team to an SEC title by defeating Arkansas 3-1. Fuller had three saves in the match.Fuller is also using the opportunity to raise funds for charity. She will be wearing a sticker on the back of her helmet “Play Like a Girl.” The charity provides STEM education opportunities for young girls. 1286

NASHVILLE, Tennessee — Tennessee Department of Correction officials plan to check in on registered sex offenders in the mid-state on Halloween.Officers will visit the homes of offenders, who are under the department's supervision, on Halloween night to make sure they are following specific rules.Each offender must follow the guidelines listed below in order to keep innocent trick or treaters off of their door step. 431

Mortgage rates have been low for months, but currently, about 19 million homeowners who are eligible to refinance haven't cashed in.According to data analytics firm Black Knight, these homeowners have a credit score of 720 or more and at least 20% equity in their homes. They could save nearly 0 a month on average.A new survey by YouGov for Forbes Advisor found that 34% of homeowners say they’re not sure refinancing is worth it.A mortgage analyst at Forbes Advisor says one reason people may be hesitant is they don't want to deal with banks that are overloaded with applications right now.“Borrowers really need to advocate for themselves, so make sure that you call your lender if you haven't heard from them in over a week let’s say or just really stay on top of it and at the end of the day. If you're not getting the service that you want, there are many other lenders that would be happy to get your business,” said Natalie Campisi, Mortgage Analyst at Forbes Advisor.Another reason you should act now if you've been considering refinancing, is there's a new fee. It starts on December 1, but your loan may not be processed before then if you don't start the process now.“What you want to do is talk to your lender,” said Campisi. “If you decide to apply for a loan, ask them, say you know will you roll this fee into the cost of my loan, which some lenders are doing, and find out some lenders might be able to process your application before December 1.”Campisi says you can benefit the most from refinancing if you're not planning to move within the next few years. Also, if you have more than 10 years left on your mortgage.You also need to consider closing costs that can average around ,000. Most experts recommend you need to be saving at least 0 a month to make those costs worth it. 1816

Multiple media outlets are reporting that an alleged carjacking suspect opened fire before exiting a police wagon in Chicago, injuring three police officers. The suspect was also injured.The Chicago Sun-Times said the alleged offender was being transported in a police wagon and began firing on officers when the doors of the wagon were opened.ABC7 reports one officer was shot in the neck, a second officer was shot in the hip, and the third officer was struck in his protective vest and was uninjured.Two officers complained of chest pain during the shooting and were taken to the hospital, ABC7 reported.The suspect was injured and was taken to an area hospital, NBC Chicago reported.NBC Chicago reported the suspect was being arrested for alleged carjacking before the shooting occurred. 799

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