Needing painting ideas...?

okay, I am trying to come up with some money saving tips on how to paint our family room. We have about 20 ft ceilings. We have already spent alot of money, and with the holidays approaching I was just trying to come up with another solution and avoid hiring someone to paint it for me. The higher part of the walls are fine, it is just the lower halves. It does need some new and fresh paint. But since we have just moved in not long ago, I cannot even match the color. So I was thinking that since we painted the fireplace wall and made it a focal point, would it be crazy to install chair railing and paint the lower half the same color as the focal wall? I hope I am making sense. I think it would look great...just don't know if chair railing could be used basically throughout the room. PLS HELP!!! Any ideas are appreciated.