I hear lots of comments from people who express their lack of confidence in choosing colors, from coordinating suits and ties to painting living rooms. We live with color every day, and I think it's a shame to default to cream for lack of confidence! (What 5 yr old has been content to color with just white on white paper?) So I point you to this excellent discussion of color schemes over at Oh Fransson. Go read it now.
Finished? Your assignment is to find someway to experiment with monochromatic, analogous, and complimentary color schemes. Think floral arrangments, napkins/table settings, outfits you wear, etc. Let me know what you discover! I'd love to see pictures, too!