http://ht3.cdn.turner.com/money/big/news/economy/2015/05/12/romans-numeral-millennials-take-over-workforce.cnnmoney_1024x576.mp4 My wife and I are hoping to be first-time home-buyers this year. We’ll likely blow our savings on the down payment and closing costs. What’s the best way to handle the costs for home renovations? Private loan? Just wait a year or two for our savings to replenish some? –Brian & Emily, Jersey City

Is anyone actually this happy when they vacuum? didesign021/Shutterstock Like working out, cleaning often feels more rewarding after than during the act itself. In fact, studies have even shown a link between clutter and elevated stress levels. So if you can’t motivate yourself to start, or if you’re overwhelmed from cleaning advice like this three-wave system or this