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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

4 Budgeting Tips for Parents

By Corazon Gritar

As a parent, there's no doubt about the fact that one of your top priorities is most likely to save money. This is because raising a family can be quite expensive over time, especially if you want to make sure that you're providing your family with ...

Continue reading 4 Budgeting Tips for Parents

June 13, 2023

Lost Checks: Is Not Stopping Payment Worth the Risk?

By Len Penzo

I wish I was as smart as my kids. They're never wrong. Never. If you don't believe me, just ask them. As a matter of fact, I was reminded of that little "fact" last month after the Honeybee noticed that a couple of checks hadn't been cashed by my ...

Continue reading Lost Checks: Is Not Stopping Payment Worth the Risk?

June 12, 2023

The Ethics of Found Money: Should You Keep It?

By Len Penzo

should you keep money you find on the ground?

Is it okay to keep money found on the ground? I mean ... What are the ethics of found money? The reason I bring this up is because last week, while walking in a parking lot, I found a $10 bill laying on the pavement. And the feeling that came over ...

Continue reading The Ethics of Found Money: Should You Keep It?

June 5, 2023

9 Ways to Ensure Your Road Trip Sucks

By Len Penzo

I love summer. It's my favorite time of the year. Well ... after spring and autumn. I know. That may not sound like a ringing endorsement, but it's true. Anyway, one of my favorite things about summer is our annual family vacation; my favorites ...

Continue reading 9 Ways to Ensure Your Road Trip Sucks

May 29, 2023

6 Ways to Clean Out Your House for Cash This Spring

By Mikey Rox

Spring cleaning time is almost here. With that in mind, before you start tossing out perfectly good, re-sellable items, why not take inventory of all the goodies you've got and determine the best method of sale? After all, you may as well recoup some ...

Continue reading 6 Ways to Clean Out Your House for Cash This Spring

May 23, 2023

12 Good Reasons Why You Should (and Shouldn’t) Pay Off Your Mortgage Early

By Len Penzo

Do I think you should pay off the mortgage early? You may as well ask me if I think it is a good idea if you paint your living room sage green. For many years I believed that paying off your mortgage was an absolute no-brainer. Then I did a ...

Continue reading 12 Good Reasons Why You Should (and Shouldn’t) Pay Off Your Mortgage Early

May 22, 2023

Teens and Credit Cards: 9 Ways You’ll Pay Later for Giving Them One Now

By Mikey Rox

I'm not a parent, so I won't presume to tell you how to raise your child. However, I can tell you that when it comes to teens and credit cards, putting plastic into their hands is a mistake that you both could end up paying for well into the ...

Continue reading Teens and Credit Cards: 9 Ways You’ll Pay Later for Giving Them One Now

May 16, 2023

How to Stop Junk Mail Easily: What Marketers Don’t Want You to Know

By Len Penzo

Like most people concerned about identity theft, I occasionally gather up any documents with sensitive personal information I've accumulated over time and run them through the paper shredder. As usual, most of it was junk; courtesy of the United ...

Continue reading How to Stop Junk Mail Easily: What Marketers Don’t Want You to Know

May 8, 2023

Why It Pays to Never Give Up

By Len Penzo

Quitting is easy, but that doesn't mean you should. JK Rowling's manuscript for Harry Potter and the Philosopher's Stone was rejected by the first 12 publishers she approached. Walt Disney was fired from the Kansas City Star because his boss ...

Continue reading Why It Pays to Never Give Up

April 20, 2023

Preparing Your Budget for Home Projects

By Corazon Gritar

While some home improvement projects are optional, many are considered necessities. As a homeowner, it's your job to maintain and upgrade your home, keeping it in good condition and increasing its value over time. However, this can come at a high ...

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April 19, 2023

Are High Thread Count Sheets Worth the Price?

By Len Penzo

The Honeybee and I are officially in the final phase of a major master bathroom remodel. We're extremely excited too, because today marks the seventh week of our three-week project. Don't laugh: That's how long our general contractor told us it ...

Continue reading Are High Thread Count Sheets Worth the Price?

April 17, 2023

DVDs From Hell: How to Skip DVD Trailers & Ads

By Len Penzo

One recent weekend not too long ago I came home to find out that both my kids happened to be spending the night at neighbors' homes. Heh. Of course, I'm sure all of you who are married with children know what that means. But before that could ...

Continue reading DVDs From Hell: How to Skip DVD Trailers & Ads

April 12, 2023

How to Fix Your Finances Without More Money

By Len Penzo

How many times have you heard somebody who has no idea how to fix their finances lament that all their financial troubles would disappear if only they had a little more money? The thing is, those are the same people who believe that financial ...

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April 10, 2023

A Few Thoughts from Aunt Doris: Cowboys and Indians

By Aunt Doris

This is another post in an occasional series from my dear Aunt Doris, who passed away in 2015 at the age of 94. When I was a kid in England I loved to play Cowboys & Indians. (Yes, we played that too.) I always wanted to be the ...

Continue reading A Few Thoughts from Aunt Doris: Cowboys and Indians

April 6, 2023

How Couples Save Money by Gaming the System

By Mikey Rox

There are plenty of perks to being a couple -- splitting household expenses, sharing a cell phone plan, qualifying for BOGO dinner promotions at your favorite chain restaurants -- but there are more savings to enjoy if you dig a little deeper. Now ...

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April 4, 2023

How to Grow a Vegetable Garden: 45 Tips to Help You Succeed

By Len Penzo

If you're worried like I am about rising food prices this year, learning how to grow a vegetable garden can be a terrific way to lower your produce bill. Now, I know what most of you are thinking: But I don't know the first thing about planting a ...

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April 3, 2023

How to Control Spending by Creating a Budget

By Sabado Domingo

Depending on how disciplined you are, a budget may not be essential to keeping your finances under control, but it does allow you to make calculated decisions about how to spend your income. Many competent household CEOs create and use a budget to ...

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March 29, 2023

The Big Advantages of Natural Gas Appliances

By Len Penzo

Most cooking aficionados prefer natural gas cooktops over electric ones because they heat evenly, and provide precision control with instant on/off capability. Natural gas appliances have other big advantages. For example, they typically last longer ...

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March 23, 2023

Blind Taste Test: Does Bottled Water Really Taste Better Than Filtered Tap?

By Len Penzo

Does bottled water taste better than filtered tap? You'd certainly think so, based on the number of people who drink it today. And that's too bad because, compared to tap water, the bottled stuff is absurdly expensive. It also generates a lot of ...

Continue reading Blind Taste Test: Does Bottled Water Really Taste Better Than Filtered Tap?

March 13, 2023

Is Buying or Renting a Home Financially Better?

By Edward Francis

Although there are entities out there with a vested interest in promoting the idea that it is always cheaper to buy than to rent, that doesn't automatically answer the question:  When given the choice, is it better to buy or rent a home? Adding up ...

Continue reading Is Buying or Renting a Home Financially Better?

March 8, 2023

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