Here are a few tips for creating a laid-back living space that captures the essence of Scandinavian style.Neutral and NaturalTypically, a Nordic-inspired home utilizes a neutral color palette, with earthy materials like wood, stone and natural fibers to warm up the atmosphere.Modern TouchesModern li

A business credit card can be a big help to business owners. But if not used properly, they can cause credit scores to drop, affecting personal credit.There are a number of ways cardholders can negatively impact their credit score. The biggest culprit? Carrying too much debt on their business card w

So a babe is on the way? Congrats! Along with the chaos of, well, everything that is to come, your finances are about to experience an upheaval, as well. According to the U.S. Department of Agriculture, it will cost upwards of $245,000 to raise a child born in 2013 to the age of 18"and this does not

In your home or in your vacation cabin, a handsome stone hearth is often the gatheringplace for comfy family evenings. But accumulations of dirt, soot and ash can make yourfireplace less efficient and ruin the lovely patina of natural stone.You can help maintain its beauty and safety with this once-

For $600 or so a year, plus a service fee of around $75 every time you ask for repair, a home warranty can be an inexpensive way to have peace of mind as a new homeowner.Home warranties cover breakdowns in a home, from HVAC systems to appliances. A broken water heater can be repaired within hours, b

Everyone needs calcium for strong bones.Calcium is especially important for older women, who are at higher risk for osteoporosis.The best way to get enough calcium is to eat foods with the nutrient in them every day.That includes dairy products, certain vegetables, and food products fortified with c

If you’ve recently moved into a new home, you might decide to change out the carpets in the house either to expose the wood flooring underneath or to add in a newer rug or carpet design.The challenge is, once you start ripping out the carpet, you’ll notice glue marks that are stuck due to years of w

Overspending is easy to do with a credit card – way too easy – and can often lead to debt.Researchers have found that even for people who dont carry a balance each month on their credit card, they overspend when using a credit card instead of cash. Credit cards can make people more willing to spend

For desk jockeys, or anyone who spends long hours staring at a screen, it’s important to pay mind to your vision. And while it can be hard to undo eye damage once it’s done, you can try to stay abreast of eyesight deterioration with the following tips:Eat for eye support. While diet can’t better you

The typical credit card charges about 16 percent interest per year on balances, effectively adding $16 to each $100 in expenses that are left on a credit card. Some charge as much as 29 percent if youre late on a payment and have to pay penalty interest.Avoiding a credit card balance by paying the b

For many of us, a good night’s sleep can be elusive, especially when it comes to snagging deep, thorough hours. Before you turn to a medication, consider your pre-sleep habits. Pluck out any contenders for disruption (scrolling social media while you lay in bed?) and try a few of the following:Power

Appeal to the health-conscious homebuyer with these five features…Air PurifierAir purifiers can protect from bacteria and viruses, as well as increase air quality.Water FilterFiltration systems remove contaminants and soften water – this means drinkable water from every tap, as well as healthier ski

Buying life insurance can seem like a difficult and expensive endeavor if you havent done it before. Both can be overcome if you have a good insurance agent.Here are nine ways to save on life insurance, all of which you should ask your agent about:Dont smoke: Smokers are more likely to die younger t

Sometimes people take out a mortgage and are forced to accept less-than-favorable terms because of a low credit score or a high debt-to-income ratio. In other cases, homebuyers choose a mortgage that has a fixed rate for a specific number of years and then convert to an adjustable rate. That can sav

Everybody needs sleep, but many of us dont get enough. This can make it hard to get through the day and can have long-term effects on health. The risks are particularly serious for children, who need to get enough rest to grow and succeed in school and other activities.Potential ProblemsInadequate s

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As a young parent, you may just be learning about all the responsibilities parenthood requires. When it comes to financial planning, setting your sight on the future can help immensely.Demolish debt. Slaying your own debt will positively impact your family’s financial future. While it may take years

If your partner brings poor credit to the relationship, it can be an issue you should probably fix together.A spouses poor credit score wont hurt yours, and credit reports for both people dont merge when they get married, but continued poor credit habits by a partner can affect each persons credit s