Author: Lacy Flanagan

Published with permission from RISMedia.

A poor credit score can affect people in many ways. It can make it difficult to get approved for a mortgage or other type of loan, and can lead to paying higher interest rates on those loans and on credit cards. It can also make it hard to get a cellphone contract or rent an…

Here are a few helpful tips to ensure you have the perfect nursery for your newborn… Go With a Theme Having a theme will guide you through the design process and bring the whole room together. Stay Away From Toxic Chemicals This is important in any room in the house, but especially for newborns that…

One of the easiest ways to build credit and improve a credit score is to open a secured credit card. Whether youre young and new to credit, or are looking to improve your credit score because of past financial problems, a secured credit card can help. Instead of providing a high credit limit like an…

Having bad credit can be worse than having no credit at all. A lousy credit score can lead to a steeper credit hole to climb out of, and can take years to fix. All is not lost. Borrowers with bad credit scores can still get approved for a new credit card, though they’ll have to…

Regardless of how much time you spend cleaning, there are likely to be a few places you overlook. Below are five frequently missed spaces that may need a little elbow grease. Baseboards. While cleaning, look down. The baseboards running along the floor may likely need a little TLC, as they commonly pick up dust and…

Is student loan debt weighing you down? Pay beyond the minimum payment every month to reduce your principal and avoid wasting money on interest. To trick yourself into making an extra full payment annually, split monthly payments in half and pay that amount every two weeks instead. Consider refinancing and consolidating your loans with a…

Published with permission from RISMedia.

These easy upgrades will take your bedroom to a whole new level of luxury. Wet Bar A small wet bar is a great convenience for a quick night cap with your partner or a coffee in the morning. Washer and Dryer Make your life much easier by having your dressing area and laundry area in…

Looking to cut your energy costs? It can take years for a new, more energy-efficient refrigerator or other major appliance to pay for itself in savings on a utility bill. If that’s the path you want to take, this Energy Star calculator can estimate the amount of money saved by replacing an old fridge with…