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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

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 ...

Continue reading How Couples Save Money by Gaming the System

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 ...

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

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 ...

Continue reading How to Control Spending by Creating a Budget

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 ...

Continue reading The Big Advantages of Natural Gas Appliances

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

This Little Trick Can Save Big Money On Your Food Bill

By Len Penzo

Are you looking for ways to save money on your food bill? It may be easier than you think. Consider this: In 2013, I spent $13,788 on groceries for our four-person household. In 2022, that number climbed to $17,101. In case you're wondering, that ...

Continue reading This Little Trick Can Save Big Money On Your Food Bill

March 6, 2023

How to Have a Beautiful Wedding AND Exotic Honeymoon for $5000 – or Less!

By Kacy

The average cost to have a wedding is now $29,000. That's some serious dough - especially for couples looking to have a beautiful wedding and honeymoon for $5000 or less! I know getting married is supposed to be a once-in-a-lifetime event, but is ...

Continue reading How to Have a Beautiful Wedding AND Exotic Honeymoon for $5000 – or Less!

March 1, 2023

Wondering How to Teach Your Kids About Taxes? Consider the ‘Parent Tax’

By Lance Cothern

Paying taxes is something your kids will have to deal with as adults. So why wait to teach your kids about taxation and earning money until after they get their first job? You shouldn't. Teach your kids by charging them the "Parent Tax." The Parent ...

Continue reading Wondering How to Teach Your Kids About Taxes? Consider the ‘Parent Tax’

February 14, 2023

Why You Should Never Put Miracle Whip on a Tuna Sandwich

By Len Penzo

You should never put Miracle Whip on a tuna sandwich. Why? Because while mayonnaise is considered a condiment, any decent chef knows that, technically, it's a sauce. Beautiful in its simplicity, mayo is nothing more than egg whites, oil, lemon juice, ...

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February 9, 2023

Divorce Can Not Only Hurt Your Heart, But Your Credit Score Too

By Corazon Gritar

Marriage is considered to be a rite of passage for most Americans -- although it's not all wedded bliss. The unfortunate truth is that 40% to 50% of marriages in the US end in divorce. In fact, approximately 827,000 divorces happen every year. And ...

Continue reading Divorce Can Not Only Hurt Your Heart, But Your Credit Score Too

February 8, 2023

8 First-Time Investing Tips for Couples

By Mikey Rox

There are milestones to which most couples look forward and for which they prepare -- such as getting married -- but the same can't always be said for making joint investments. What you do with your money is an important and impactful consideration ...

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February 7, 2023

How to Know If You’re Dating a Deadbeat

By Len Penzo

Are you afraid you may be romantically attached to a financially irresponsible person? Or maybe you're unsure about how to know if you're dating a deadbeat. These are both serious situations that require immediate attention. I'm very fortunate that ...

Continue reading How to Know If You’re Dating a Deadbeat

February 6, 2023

36 Amazing Uses for Plastic Grocery Bags

By Len Penzo

I've been a big defender of plastic grocery bags for a long time. In fact, last year I challenged readers to tell me why the humble plastic bag is still maligned by so many people. Now I may be just a wee bit biased, but I think I made a very ...

Continue reading 36 Amazing Uses for Plastic Grocery Bags

January 23, 2023

What You Must Know Before Filing a Medical Malpractice Lawsuit

By Edward M. Bernstein

More Americans are filing medical malpractice suits in the US -- but not because doctors are doing a worse job. In fact, they're doing roughly the same quality job. However, consumers today are more savvy and informed about how to find a malpractice ...

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January 18, 2023

Million Dollar Neighborhoods Are Still Popping Up Across the US

By Corazon Gritar

Across the United States, more than 800 neighborhoods have a median home value that exceeds $1 million, according to a report by Trulia. This new data means that the number of US homes costing $1 million or more has doubled since 2012. While the ...

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January 17, 2023

Tips for Budgeting a Wedding

By Corazon Gritar

Budgeting for a wedding can seem like an overwhelming task. Most people need help figuring out where to begin. However, it doesn't have to be stressful. This article will help you break down every part of budgeting a wedding into manageable parts. ...

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January 9, 2023

Dear Friend: Here Are 41 Reasons Why I’m NOT Lending the Money

By Len Penzo

The conventional wisdom is that you should never lend money to friends or family. For me, that old saw was reinforced after I read a curious article in the Huffington Post that attempted to explain why our friends and family often fail to repay ...

Continue reading Dear Friend: Here Are 41 Reasons Why I’m NOT Lending the Money

January 2, 2023

A Surefire Way to Teach Kids the Value of Money

By Len Penzo

One of the more difficult jobs any parent faces is teaching their kids the value of a dollar. Sadly, some kids never learn that money doesn't grow on trees. It may seem cruel, but parents who aren't afraid to let their kids spend their money on ...

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December 22, 2022

Surprising Survey Results Highlight Attitudes of Young Drivers

By Enero Febrero

As the Association of British Insurers (ABI) and the road safety charity, Brake, work together to revise the existing learning-to-drive system, one survey suggests that the task of improving the habits and attitudes of young drivers may be ...

Continue reading Surprising Survey Results Highlight Attitudes of Young Drivers

December 21, 2022

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