S.G.
Hi Melodee,
First of all let me say that in my opinion it takes a long time to decorate a house. Years. That is the only way to do it affordably so don't get frustrated if it doesn't look different tomorrow!
Three suggestions
Paint
re configuring
yard sales
For the living you could paint the walls a pretty gold color and make maroon/burgundy pillows for the couch. Those are the colors I think! You could also find inexpensive lamps with neutral shades and glue maroon/burgundy beads to the edge. Find a 49ers throw and put it on the couch. It doesn't have to be sports memorabilia (sp) it could just be the colors with a few sports accessories thrown in for fun.
For the nursery I would get creative with paint. You could paint the walls a pretty blue and stencil butterflies. For inexpensive curtains look at shower curtains. They always go on sale and one will make two curtains.
Be creative and look in unexpected places. I collect roosters and one of the best places to find them is in the yard decoration section of many stores! Don't forget garage sales and second hand stores. Most of all have fun!