Transforming your home into a lush and vibrant oasis doesn’t have to pose a threat to your furry friends. Many common houseplants can coexist peacefully with pets, adding a touch of nature to your living space while ensuring the safety and well-being of your beloved animals. Let’s explore some of the safest houseplants for animals, allowing you to create a pet-friendly haven that nurtures both your plants and your pets.

Spider Plant:

Spider plants are not only resilient and easy to care for but are also non-toxic to both cats and dogs. These graceful plants, with their arching leaves and air-purifying qualities, make a wonderful addition to any pet-friendly home.

Boston Fern:

Known for its lush, feathery fronds, the Boston Fern is a favourite among plant enthusiasts seeking a pet-safe option. This plant is non-toxic and can thrive in low to moderate light conditions, making it an excellent choice for various areas of your home.

Areca Palm:

The Areca Palm, also known as the Butterfly Palm or Bamboo Palm, is a pet-friendly choice that can add a tropical touch to your space. These palms are non-toxic and are known for their air-purifying properties, creating a healthier indoor environment for both pets and humans.

Calathea:

Calatheas are a family of plants that come in various striking patterns and colours. They are safe for pets and add a touch of elegance to your home. The Prayer Plant is a popular member of the Calathea family, known for its fascinating leaf movements.

Friendship Plant:

With its unique coin-shaped leaves, the Friendship Plant is a safe and attractive choice for pet owners. This low-maintenance plant thrives in indirect light and can be easily propagated, making it a great option for sharing with friends or expanding your plant collection.

African Violet:

For those looking to add a splash of colour to their homes, African Violets are a perfect choice. These flowering plants are safe for pets and come in a variety of hues. Place them in a bright, indirect light spot, and they will reward you with their charming blossoms.

If you are planning on applying for a mortgage, one of the most important factors that lenders will consider is your credit score. Your credit score is a numerical representation of your creditworthiness, and it is used by lenders to determine your risk as a borrower. A higher credit score can lead to a lower interest rate on your mortgage, while a lower credit score can result in a higher interest rate or even a denial of your mortgage application. If you are looking to improve your credit score in order to qualify for a better mortgage rate, here are five tips to help you get started:

1. Check your credit report and score

The first step in improving your credit score is to check your credit report and score. You can get a free copy of your credit report from each of the three major credit bureaus (Equifax, TransUnion, and Experian) once a year by visiting annualcreditreport.com. In addition, there are also various websites and apps that can provide you with a free credit score. By checking your credit report and score, you can identify any errors or mistakes that may be negatively impacting your credit score and take steps to correct them.

2. Use credit responsibly

Building a good credit score takes time, so it’s important to use credit responsibly from the start. This means only borrowing what you can afford to pay back, paying your bills on time, and not maxing out your credit cards. By using credit responsibly, you can establish a good credit history and improve your credit score over time.

3. Pay your bills on time

Payment history is one of the most important factors that contributes to your credit score. By paying your bills on time, you can demonstrate to lenders that you are responsible and reliable when it comes to paying your debts. Set up automatic payments or reminders to ensure that you don’t miss any due dates.

4. Reduce your credit card balances

Credit utilization is another important factor that affects your credit score. This is the ratio of your credit card balances to your credit limits. A higher credit utilization ratio can indicate to lenders that you are using a large percentage of your available credit, which can be seen as a risk. To improve your credit utilization ratio, try to pay down your credit card balances as much as possible and aim to keep your balances below 30% of your credit limits.

5. Don’t close old credit cards

If you have credit cards that you no longer use, it may be tempting to close them in order to simplify your finances. However, closing an old credit card can actually have a negative impact on your credit score. This is because the credit card’s age is a factor in your credit score, and a longer credit history can help improve your score. Instead of closing old credit cards, consider keeping them open and using them sparingly to maintain a good credit history.

6. Dispute errors on your credit report:

If you find errors on your credit report, it’s important to take action to correct them as soon as possible. Credit report errors can occur for a variety of reasons, and they can have a significant impact on your credit score. By disputing errors on your credit report, you can help ensure that your credit score reflects your true creditworthiness.

7. Monitor your credit regularly

It’s important to monitor your credit regularly to ensure that your credit score is accurate and up-to-date. In addition to checking your credit report and score once a year, you can also consider signing up for a credit

monitoring service or setting up alerts to notify you of any changes to your credit. By monitoring your credit regularly, you can stay on top of any potential issues or mistakes and take action to correct them.

8. Don’t apply for too many credit cards at once

Every time you apply for a credit card, it results in a hard inquiry on your credit report, which can temporarily lower your credit score. To avoid too many hard inquiries, try to limit your credit card applications to only when you really need them.

9. Consider a secured credit card

If you have a low credit score or a limited credit history, a secured credit card may be a good option. A secured credit card is a type of credit card that requires a deposit as collateral, which is used to secure the credit line. By using a secured credit card responsibly and paying your bills on time, you can build or improve your credit score.

In conclusion, improving your credit score can be a key factor in getting approved for a mortgage and securing a better interest rate. By checking your credit report and score, paying your bills on time, reducing your credit card balances, avoiding too many credit card applications, and considering a secured credit card, you can take steps to improve your credit score and increase your chances of getting approved for a mortgage.