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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

Mailbag: What Happens to My Mortgage If the Dollar Hyperinflates?

By Len Penzo

Love your blog, Len. Let's just say it has opened my eyes, and for that I thank you. I've not been able to get a reasonable answer as to what happens when the dollar fails and mortgage holders are saddled with a house they can't pay for. Also, if the ...

Continue reading Mailbag: What Happens to My Mortgage If the Dollar Hyperinflates?

August 22, 2022

How to Save Money for Your Mortgage Deposit

By Sabado Domingo

Getting onto the property ladder is an important step that many individuals strive for. Having your own home isn't just about having a place to sleep at night, it's also about preparing for the future and building equity. With your own place, you'll ...

Continue reading How to Save Money for Your Mortgage Deposit

August 18, 2022

8 Ways to Save More on Back-to-School Shopping This Year

By Mikey Rox

If you've got kids, then the odds are you'll be participating in that annual ritual known as back-to-school shopping. Unfortunately, it's an expense that can take a big bite out of your budget. So why not dig a little deeper when looking for extra ...

Continue reading 8 Ways to Save More on Back-to-School Shopping This Year

August 16, 2022

11 Ways to Ensure Your Summer Vacation Doesn’t Bust Your Budget

By Mikey Rox

Going on vacation is exciting and fun-filled until you get the bill. This year, dig into your R&R with peace of mind by following these tips on how to ensure a satisfying and budget-friendly vacay: Weigh the costs of lodging vs. ...

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August 2, 2022

My 14th Annual Cost Survey of 10 Popular Brown Bag Sandwiches

By Len Penzo

If you're like most people, it's been hard not to notice the increase in your monthly grocery bill over the past year. I guess that's to be expected with the latest "official" inflation rate as measured by the CPI coming in at a jaw-dropping 9.1% ...

Continue reading My 14th Annual Cost Survey of 10 Popular Brown Bag Sandwiches

August 1, 2022

How I Got Scammed at My Local Gas Station

By Len Penzo

People who believe in personal responsibility are often unfairly accused of being heartless and uncaring. For proof, all one has to do is look at my inbox. I usually get at least one scathing letter every week from a reader who mistakes my ...

Continue reading How I Got Scammed at My Local Gas Station

July 25, 2022

100 Words On: Why It’s So Hard to Beat a Homegrown Tomato

By Len Penzo

There's a reason why tomatoes are found in 85% of all gardens, topping the list of most popular homegrown produce: Biting into the fresh and juicy sweetness of a vine-ripened homegrown tomato is pure nirvana for the senses -- a savory treat unmatched ...

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July 21, 2022

How to Secure Your Home on a Budget

By Sabado Domingo

We all want to provide a safe life for our significant others and children, but sometimes, it's just out of our price range -- or is it? Securing your home doesn't have to be super expensive to be effective. Protecting your property and home won't ...

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July 20, 2022

Dear Diary: How I Fixed My Water Heater Without a Plumber and Saved $400

By Len Penzo

The Honeybee alerted me to the fact that our hot water heater was making popping and cracking sounds that she had never heard before. This got me a bit worried because the heater was 12-years-old and I knew it was on its last legs. When a water ...

Continue reading Dear Diary: How I Fixed My Water Heater Without a Plumber and Saved $400

July 18, 2022

6 Ways to Avoid Becoming a Pickpocket Victim

By Mikey Rox

Imagine you're on vacation -- in a foreign country, no less -- and you've been the victim of a pickpocket. Cash, credit cards, passport -- all gone. What do you do? It's a nightmare scenario nobody wants to go through. Thankfully, you can lessen the ...

Continue reading 6 Ways to Avoid Becoming a Pickpocket Victim

June 21, 2022

The Embarrassing Anatomy of a Phishing Scam

By Len Penzo

You've got to hand it to scam artists. They often succeed in spite of themselves. If I had a nickel for every time I retrieved a message from my inbox warning me that my PayPal account has been limited, or that my credit card has been suspended, ...

Continue reading The Embarrassing Anatomy of a Phishing Scam

June 20, 2022

Dealing With a Deceased Person’s Money and Property

By Sabado Domingo

Not too many people know what to do with a person's estate when they die. What can make matters even worse is that filing paperwork, taking an inventory, and locating legal documents are going to be the last things you want to think about at such an ...

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June 16, 2022

Can You Afford a Home?

By Enero Febrero

Purchasing a home is one of the bigger moments in many people's lives, whether or not they have purchased on in the past. But with rising home prices and interest rates, it can seem less and less affordable to acquire your own home. There are a few ...

Continue reading Can You Afford a Home?

June 16, 2022

4 Things Everyone Should Do After Buying a New Home

By Sabado Domingo

Buying a new home is one of the most exciting and expensive things you are likely to do within your lifetime. Spending time researching the area you want to move to, finding the dream property, and then actually getting an offer accepted feels like ...

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June 1, 2022

A Memorial Day Tribute from Aunt Doris: Shaken — Not Stirred

By Aunt Doris

Living in the heart of London during World War II and the Blitz, I came so near to "kicking the bucket" (or as we say, "falling off me perch") more times than I can count. When the war started, I was an 18-year-old civil servant working at a ...

Continue reading A Memorial Day Tribute from Aunt Doris: Shaken — Not Stirred

May 26, 2022

9 Indispensable Financial Tips for Teens & Twentysomethings

By Len Penzo

I hate to admit this, kids, but I used to think my parents were really dumb. A few peas short of a casserole. All foam, no beer. Dumber than a box of hair. I get it; most teenagers and young adults already know everything about anything. But as ...

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May 23, 2022

Yes, You Can Afford It!

By Tex Freitag

Do you ever ask yourself, when considering a major purchase: "Can I afford that?" It's a relevant question in an era when inflation is taking its toll on household income and people are finding it harder to get good jobs. However, the good news is ...

Continue reading Yes, You Can Afford It!

May 20, 2022

100 Words On: Why It’s Not Poor Etiquette to Put Ketchup on a Hot Dog

By Len Penzo

There are plenty of food snobs out there who insist that it is sacrilegious to put ketchup on a hot dog. That assessment is echoed by The National Hot Dog Council which proclaims that ketchup should never be put on a hot dog by anyone over the age of ...

Continue reading 100 Words On: Why It’s Not Poor Etiquette to Put Ketchup on a Hot Dog

May 19, 2022

The 6 Most Valuable Grocery Store Products

By Len Penzo

When it comes to utility, not all grocery items are created equal. If value can be defined by versatility then, some grocery items offer a lot more bang for your buck than others. Sure, everybody knows about the incredible and legendary ...

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May 16, 2022

5 Pointers to Help You Pick the Right Home Loan

By Enero Febrero

Home loans are the only way that most people around the world today can afford to buy homes. This is especially true for real estate in expensive locales from San Francisco to New York -- and even homes in a city like Mumbai. With the high prices ...

Continue reading 5 Pointers to Help You Pick the Right Home Loan

May 4, 2022

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