Are you getting tired of suffering from back, neck, or shoulder pain after spending a few hours at the computer? If you work at home, it's essential to get the right chair, computer, monitor, desk, and keyboard.

There's no better way to minimize physical pain and make your job more pleasant than building an ergonomic, efficient office. But, be careful. Most home-based workers are surprised when they set out to purchase all new equipment.

Prices for creating the perfect work from home setup have risen significantly in the past few years, so if your items are outdated, be ready to spend generously to upgrade your working space.

What should be on your shopping list? Start with a high-quality ergonomic chair. What you sit in and how you sit can make a huge difference in long-term postural health.

Of course, you also need a modern computer with a monitor that minimizes eye strain, a desk suitable for all your job-related paraphernalia, and a keyboard fitted to the size of your hands. Here are more details about what to buy, how to pay for it all, and more.

Chairs

No piece of office equipment is more important than a computer chair. Be willing to research the offerings and buy a high-quality unit. A high quality office chair will last you for many years and can save you thousands of dollars in medical expenses.

Look for reputable manufacturers, adjustable seats, retractable armrests, fully adjustable backs, removable wheels, tilt bars, footrests if you are shorter than average, and a supportive lumbar (lower back) area.

Paying for a New Computer

Your most significant single expense will be a new computer or a full-scale computer upgrade. Consider buying a new device to take advantage of today's more extended warranties, exceptional memory, and overall power. You can always sell or donate your old unit to recoup some costs.

Many home-based workers take out personal loans to cover the expense of buying a brand-new computer, ergonomic chair, and other upgrade items for their space. Using a private lender to take out a personal loan is the smart way to go.

Not only will you have access to flexible terms and competitive interest rates, private lenders typically offer higher borrowing limits if you need extra money for special equipment.

Monitors

Shop carefully for monitors. If the one you have is more than two years old, replace it. Modern ones come with built-in optical features that help prevent eye strain. Likewise, choose a large monitor to display graphics, photos, and videos in high definition. Even if you bought them two years ago, older models don't come with the best features.

Desks

Desks are highly personal choices. Shop for ones that fit your taste but are ergonomically designed. You want adjustable surfaces for keyboards to prevent shoulder strain. Consider buying a desk that you assemble yourself. That way, if you move, you can always take it apart and transport it easily.

Keyboards

The trick with modern keyboards is finding one ideal for your hand width. Visit a tech store and try out some of the new ergonomic versions that are sized just right. Curved keypads tend to be easier on finger, wrist, and arm muscles.