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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

The Thermostat Isn’t the Only Tool for Saving Money on Your Utility Bills

By Len Penzo

Despite the conventional wisdom, there is at least one study out there that has concluded that opposites really don't attract -- at least when it comes to successful relationships. If that's so, then perhaps my marriage is on borrowed time because ...

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December 19, 2022

3 Ways to Reduce Your Calling Costs

By Sabado Domingo

Everybody loves a cheap phone bill. But keeping in touch with family and friends on the phone can get very expensive if not handled properly. So with that in mind, here's how many savvy shoppers reduce their calling costs both domestically and ...

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December 14, 2022

How to Save Money at the Vet and Minimize Pet Medical Costs

By Len Penzo

Awhile back, we took our Rhodesian Ridgeback to the veterinarian for what I like to describe as a pet "lube, oil and filter." To put it another way, we had him placed under a general anesthetic so the vet could clean his teeth and work on repairing a ...

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December 12, 2022

The Importance of Good Moral Character

By Len Penzo

When evaluating people, they say good moral character trumps all. Coach John Wooden always preached that character was more important than reputation because "character is what you really are, while reputation is merely what others think you are." ...

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December 8, 2022

The Importance of Understanding Energy Tariffs

By Sabado Domingo

Energy is necessary for running our businesses and homes, but it can be costly. Consumers and suppliers alike have borne the brunt of the UK's energy crisis, which has since seen the price of energy skyrocketing thanks to high energy ...

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December 6, 2022

Home Repair Scams: Here Are the 9 Biggest

By Len Penzo

I've had numerous home repair scammers come to my house through the years offering "great deals" that were really anything but. You know the type. Most of these guys wouldn't know what a contractor's license looked like if it hit them in the ...

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November 28, 2022

4 Ways to Have a Budget Friendly Wedding

By Corazon Gritar

While any major party or event has its costs, weddings with ridiculous price tags are becoming increasingly common. In fact, the cost of weddings in recent years has forced some couples to put off tying the knot altogether. The average amount spent ...

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November 22, 2022

9 Great Gift Ideas for People Who Have Everything

By Len Penzo

I always struggle when it comes to finding great gift ideas for people who have everything. My family draws names every year as part of our annual Christmas gift exchange. It's typically done a year in advance, on Christmas Day, long after all the ...

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November 21, 2022

Why Programmable Thermostats Rarely Save People Money

By Len Penzo

For most folks who find themselves away from home for a good portion of the day, a programmable thermostat offers many benefits. Conventional wisdom says one of the biggest is lower energy bills resulting from more efficient heating and air ...

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November 10, 2022

How I Fought My Parking Ticket and Beat City Hall

By Len Penzo

Usually, the only warm-blooded creature in the house that ever bothers to get up and acknowledge me when I come through the front door is my dog, Jack. So I knew something was wrong when I walked through the door and the Honeybee greeted me with a ...

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October 31, 2022

5 Easy Ways to Increase Your Home’s Energy Efficiency This Winter

By Corazon Gritar

The time of year for cozy sweaters, sheepskin slippers, nights by the fireplace, and big mugs of hot cocoa is fast approaching. However, that means the time of year for all of the warm air in your home trying to escape and cold air from the outdoors ...

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October 25, 2022

3 Easy Ways to Reduce Your Water Bill This Winter

By Corazon Gritar

Winter is when many homeowners see their heating bills spike. Fortunately, there are a few simple ways to save money on your water bills - and stop wasting water in the process. The key is figuring out how to reduce your water bill in the most ...

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October 18, 2022

Why Creating a Budget Is So Important (for Most People)

By Len Penzo

Creating a budget isn't the answer for everyone. After all, there are many people without budgets who have minimal debt. They also pay off their credit cards monthly and save money. Even so, there are just as many who need a budget to track expenses, ...

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October 13, 2022

How to Start Your Life in a New Country

By Sabado Domingo

Starting a life in a new country is equal parts exciting and terrifying. It's exciting because you get to embark on an amazing new journey. At the same time it's terrifying because there are many things you need to do to make it happen. It can be ...

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September 27, 2022

10 Unique Halloween Treats That Kids Love, But Rarely Get!

By Len Penzo

When it comes to favorite Halloween treats, I consider my 10-year old daughter, Nina, to be the ultimate authority. Nobody loves sweets and desserts like her -- especially those that contain chocolate. Pity any future suitor who makes the ...

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September 26, 2022

6 Ways to Help a Family Member in Legal Trouble

By Sabado Domingo

One of the worst calls you could possibly receive is from a loved one that's in trouble and desperately needs your help. For some people, this may be a regular occurrence, however, for others, it could be a shock to the system. As friends and family, ...

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September 20, 2022

Are Spending Habits Influenced By Biology or Our Environment?

By Len Penzo

What exactly is it that not only shapes our attitudes about money, but also influences our spending habits? Why is it that some folks have no trouble sticking to budgets, while others fall victim to emotion? Why do some people seemingly have no ...

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September 19, 2022

How to Leverage Coupons to Get Great Baby Product Deals

By Enero Febrero

There's a lot to like about babies. For example, who doesn't love cuddling them? Then there are their adorable clothes, the hilarious baby videos, first words, first steps -- the list goes on an on! Unfortunately, it all comes with a ...

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September 14, 2022

10 Items You Can Part With and Profit From

By Enero Febrero

Are you looking for ways to earn a few extra bucks? Then try selling some of the items on the following list to declutter your life and save some money. By cutting out the things you don't need or use, you can profit and save your money for what you ...

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September 7, 2022

How I Survived Two Armed Robberies (and How You Can Too)

By Len Penzo

We tend to take for granted that the terrible misfortunes we see on the nightly news befalling people every day will never ever happen to us. Perhaps that is so for the majority of folks. But it is not certain by any means. By the time I was 30 I ...

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August 29, 2022

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