Welcome to your children’s new classroom: Your home

Since the beginning of the pandemic and the subsequent lockdowns, children have been obliged to approach their education in a whole new way, while parents have had no other choice but to become an active part of their children’s educational journey. While schools may have reopened, and children are once again filling up the classrooms, most learners are still recuperating from the disruption to their education and putting in more than ever before whether they are at home or at school. With UNICEF having already stepped in, announcing its concern over South Africa’s loss of school time, parents and learners alike have a responsibility to create adequate learner space within their homes where learning can continue unobstructed by whatever happens in the school system.

Here are some tips on how you can make your home learning-friendly.

Designated learning spaces

Lockdown or not, learners require a quiet space where they can work and study. This space should give your child a space where they can work uninterrupted, whether it is a space solely for doing homework and preparing for exams or the place that has become their new classroom. As each space should be created specifically to promote a child’s learning experience, each space must be uniquely moulded to their specific learning approach.

Of primary importance with this space is natural light, as much of it as is possible. Working under artificial light may make the work visible, but it also reminds the child that they are stuck indoors. With natural light, the learning experience just feels more natural.

Make the investment

No one works productively sitting in bed. But no one works well sitting on an uncomfortable old kitchen chair all day either. While budgets may be tight in most households, the purchase of a decent ergonomically supportive chair should be part of that budget. Most adults have the privilege of enjoying office chairs during the day, while children, rather unfairly, have to rely on seating that is far from adequate in providing support for their growing bodies. Investing in a chair that will allow them to work comfortably for longer will ensure that they make the most out of their time at their workstations.

Small bookshelves or filing solutions can also go a long way to helping them create a learning space that is geared towards an efficient learning experience. We all know how difficult it is to keep a school bag organised when it is overflowing with the textbooks and workbooks of seven subjects, so why not help your child organise their learning material.

Stock up on supplies

Having enough stationery is not a negotiable point. For high school learners, this item may be easier to comply with as their stationery is often of a less exhaustible kind. With learners in the lower grades, though, who are still learning to have fun with education while using copious amounts of Pritt and finger paint to do that, exhaustible materials may run out sooner than you think. So make sure you have enough of whatever your child needs to immerse themselves in their learning without having to stop for a refill along the way.

Minimise distractions

Distractions are different for different people, so making sure there are minimal distractions during learning time takes a unique approach for each child. The most obvious distractions may be items such as cell phones and television, but for bookworms, that copy of Life of Pi may be as tempting during math homework as Twitter is for another learner. A major distraction that many parents forget to take into account, though, is the household itself. Many daily chores, such as helping to make lunch and washing the dishes, can easily become a hindrance when parents enjoy the extra pair of helping hands around the house a little too much.

Your home can be a place where your child learns that learning can be fun, and that it should be a constant part of our lives, but that requires you to start seeing your home in a different light. If your home simply isn’t conducive to your child’s learning experience, it may be time to think about some renovations or even reconsider where you are staying and begin the search for a learning-friendly environment.

Whatever your property needs, though, we are here to help you make the most of your next step.

This article is a general information sheet and should not be used or relied upon as professional advice. No liability can be accepted for any errors or omissions nor for any loss or damage arising from reliance upon any information herein. Always contact your financial adviser for specific and detailed advice. Errors and omissions excepted (E&OE)

Working from home can work for you

As the old adage goes, change is as good as a holiday. But the way that the novel coronavirus has shaken up the world we live in, has, to the contrary, been extremely disruptive and stress-inducing. For many people, the disruption has come in the form of shifting from the traditional office space to working from home.

People who had been working flexi-hours or may have been self-employed and working from a home office might be very familiar with claiming business-related expenses from their personal income tax as a tax-deductible expense. For the everyday worker, though, the shift to working from home may incur costs that would not have been necessary had they been able to safely work from their traditional office. If the COVID-19 pandemic has meant that you need to work from home, you may be able to claim some of your business expenses back when submitting your next tax return.

What then are the prerequisites for filing a tax return that includes your home office expenses as a tax-deductible expense?

  • You need to have an agreement with your employer that allows you to work from home. Especially since working from home has been necessitated during the pandemic, some of these agreements may have been assumed without due communication. To cover your bases, have the agreement made in writing.
  • You need to spend at least 50% of your working hours working from your home office. Since the tax year runs from the start of March through to the end of February the following year, it means that 50% of your time spent working in the tax year must be from your home office. Generally speaking, the necessitated use of the home for work purposes during the COVID-19 pandemic makes this somewhat tricky because it would require you to work 6 months of the tax year in the home office if you were to make a full return to your business office’s premises later (based on maintaining the same hours). For instance, working 3 months from home and 9 from the office will disqualify you from claiming your home-office as a tax-deductible expense, as you would only have spent about 25% of your working hours from your home office.
  • Home office expenses are only tax-deductible if you have an area set aside exclusively for work purposes. Hammering away at your keyboard from your living room sofa, unfortunately, does not qualify you for a home office tax deduction. Makeshift offices or rooms that have a purpose apart from dedicated work do not qualify.
  • Additionally, your home office specifically has to be fitted out for the purpose of your work. If there are specific tools or equipment that your work requires, your home office has to be set up with these readily available.

What can you deduct as a business expense?

For anyone who earns more than 50% of their income from a traditional salary, pro-rated tax deductions can be made as it relates to interest on your home loan or rent, as well as the repair and maintenance of your home. That is to say that the tax-deduction is directly related to the portion of your property that is dedicated as a home office and is calculated as a percentage of the whole.

For anyone who earns more than 50% of their income from commission (or income other than that which is earned from a salary) can claim for the same expenses as mentioned above, but can also claim business-related expenses from commission-based activity.

What if you don’t qualify for a tax return on business expenses?

For those who do not qualify for a tax deduction on their home office space, it shouldn’t necessarily mean that you need to take on all of the burdens of your business-related expenses yourself. Where previously you could rely on company internet, for instance, now you would need to use more data per month and incur an additional cost.

The best solution in this regard would be to see if an agreement can be made with your employer to carry some of the costs by reimbursing you for the personal loss suffered. If done amicably, it could only serve to strengthen the relationship with your employer.
While the change brought about from the COVID-19 virus may not be as good as a holiday, it may well be able to pay for one once you are recompensed for your tax-deductible expenses.

Reference list

  • https://www.thesait.org.za/news/460951/Deducting-your-home-office-expenditure.htm
  • https://www.businessinsider.co.za/how-to-claim-the-cost-of-setting-up-a-home-office-against-tax-in-south-africa-2020-5
  • https://www.news24.com/fin24/money/tax/lesser-known-tax-incentives-20180524

This article is a general information sheet and should not be used or relied on as legal or other professional advice. No liability can be accepted for any errors or omissions nor for any loss or damage arising from reliance upon any information herein. Always contact your financial adviser for specific and detailed advice. Errors and omissions excepted (E&OE)