• How to Align Your Spending and Values

    Janay Lenhart

    Is it okay to spend your money? We’ve all read articles about the best way to take control of our budget is to simply quit spending money. Stop buying that latte every morning. Stop eating out at restaurants. Stop taking those expensive vacations. This is normal and I think there is some truth in those…

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  • How Much Does Frivolous Spending Cost You?

    Janay Lenhart

    Have you ever stood behind someone in line at the convenience store and watched them pay hard-earned money for a lottery ticket? Or walked through a busy casino, with people at the machines literally giving their money to the house all in the name of a little fun? Or what about watching someone inhale their future retirement…

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  • How Much in Savings You Need to Live Comfortably

    Janay Lenhart

    According to the Federal Reserve’s study on economic well-being in U.S. households, published in 2016, Americans are satisfied with how they are doing financially. The number of adults reporting they are “living comfortably” or “doing okay” rose to 69%, up from 65% in 2014 and 62% in 2013. However, surveyors then asked a series of follow-up questions…

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  • 5 Steps to Take Control of Your Personal Finances

    Janay Lenhart

    When I started my financial planning career seven years ago, I quickly learned that the people who were financially successful were the ones who dedicated time and energy to regularly budgeting, managing and planning out their finances. In other words, they had the discipline to get a financial education and continue to expand that education over their…

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  • What Does Make Guaranteed Loans with No Credit Check Effective?

    Janay Lenhart

    Regaining your financial steadiness is extremely intrinsic to have a contented life. The guaranteed loans with no credit check claim makes the process quite simple and easy to deal with, as loans are offered on bespoke features. f you have never faced financial problems in your life, then it does not mean that it will…

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  • Adding Rock Plants to Your Garden

    Janay Lenhart

    With their delicate detail and exquisite form, alpines and other rock plants have a particular fascination-the wonder of the miniature. Rock Garden Basics Since the original habitats of many species are mountainous and rocky regions, they are for the most part hardy and can tolerate thin, stony soils, and some can survive drying winds. Provided…

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  • Garden Design from a Florist’s Perspective

    Janay Lenhart

    The garden of her Surrey home is dotted with pots at every turn: some decorative, some functional, some planted and others empty, but all carefully placed for effect. One year, to welcome winter visitors, Penny planted a pair of clipped standard conifers with a cushion of skimmias beneath, their red berries contrasting cheerfully with the…

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  • Painting Rocks in Oil

    Janay Lenhart

    Harmonized similarities. Contrasts can consist of lights and darks; large areas and smaller areas; and sharp edges, lost edges and all edges in-between. Then there are the textural contrasts of the paint itself and the manner in which it’s applied. These textural contrasts add dimension to a painting and please the eye. Painting Rocks: Thin…

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