Regarding item 5: I think it can be a win-win. In my country at least (Canada), some of those savings are passed on to me. I can deduct from my taxes a portion

Regarding item 5: I think it can be a win-win. In my country at least (Canada), some of those savings are passed on to me. I can deduct from my taxes a portion of the following: rent, phone bill, internet bill, home utilities, essentially anything to do with me using my home as a workspace.