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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

How I Manage My Finances In Just 15 Minutes Every Month

By Jim Wang

I'm not afraid of hard work; I'm deathly afraid of dumb work. I hate waiting in lines, I hate doing the same thing over and over again, and I hate doing something slow if there's a faster way to go about it. The engineer in me goes absolutely ...

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September 14, 2021

Your Personal Finance Horoscope

By Len Penzo

In order to help my readers divine their nearer-term futures with respect to money and personal finance, I recently decided to try my hand at astrology. So I studied up, bought some star charts, took some lessons and evaluated the ephemeris as ...

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September 2, 2021

Grandfather Says: What’s The Value of a Song?

By RD Blakeslee

Grandfather says he doesn't have much use for a lot of modern stuff, but he likes electronic keyboards. He has a lovely Steinway grand piano in his living room; a relic of earlier times and people in his life. But he can't play it. A ...

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September 2, 2021

How Much Should You Pay the Babysitter?

By Len Penzo

Now that my kids are grown, I no longer have to worry about babysitters. To be honest, the Honeybee and I rarely used babysitters at all even when the kids were younger because we were fortunate enough to have two sets of grandparents living ...

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August 30, 2021

Grandfather Says: Never Underestimate the Utility of a Trebuchet

By RD Blakeslee

Grandfather says he built a trebuchet. They were used in the middle ages to fling smallpox-infected corpses over castle walls. Grandfather used his to launch model airplanes, although some of his colleagues suggested its utility for such things ...

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August 19, 2021

How to Let Your TV Bill Work for You, Not Against You

By Sabado Domingo

Cable or Netflix? DirecTV, or Amazon Prime? What about Hulu? There's a lot to consider when installing a new home theater. You obviously want your theater room to be a place where you and your guests can kick back and relax, while watching the big ...

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August 11, 2021

The Financial Benefits of Living in an Apartment

By Sabado Domingo

While a lot of people might feel pressured to buy a home with home ownership a major milestone representing stability and the freedom of reaching adulthood to many, home ownership isn't always the right answer; in some cases it makes more sense to ...

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August 5, 2021

My 13th Annual Cost Survey of 10 Popular Brown Bag Sandwiches

By Len Penzo

I don't know about you, but my monthly grocery bill has been increasing since the start of the new year. Meanwhile, the average cost of a school lunch this year is $3.81. For a family with two kids, that amounts to slightly less than $1400 during ...

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August 2, 2021

Approximate Energy Costs of Your Home Appliances

By Len Penzo

Our homes today are loaded with more electronic media and electric appliances than ever before. According to data published by the Energy Information Administration (EIA), US household electricity consumption is expected to grow about 29% from now ...

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July 26, 2021

Simple Home Renovations that Will Save You Money

By Corazon Gritar

Do you love saving money? Or remodeling your home, maybe both? Well, these home improvements below will save you money and help you upgrade your home. Upgrade Your Appliances It's sometimes necessary to spend a little money in order to save ...

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July 21, 2021

The Biggest Reason Why It May Be Smarter to Rent Than ‘Own’ a Home

By Charles Hugh Smith

We're constantly told ours is an ownership society in which owning a home is the foundation of household wealth. However, if we understand property taxes as a "lease from the local government for the right to gamble on another housing bubble ...

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July 6, 2021

The Benefits of Green Washing

By Sabado Domingo

Did you know that your home appliances make up a third of your water and energy consumption? Many washing machines are designed to be largely energy and water efficient, so you can rest assured you're helping the environment while reducing your ...

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June 30, 2021

9 Important Money Tips Every Dad Should Teach His Kids

By Len Penzo

Kids, with Father's Day right around the corner, I hope you don't mind if your dear old dad takes a few minutes to give you a little bit of fatherly financial advice. Despite what your mom says, I don't profess to know everything -- okay, I guess ...

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June 14, 2021

What Are the Most Effective Ways to Save Money as a Couple?

By Corazon Gritar

Couples often live together before getting married. In fact, about 70% of them do. That's plenty of couples who may acknowledge a coupon can save them money. If you believe in saving, know there are effective strategies. Read on to learn how to save ...

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June 11, 2021

Why Pastry Chefs Are Financially Savvier Than the Common Man

By Len Penzo

If you ask me there are few things in life better than a warm chocolate chip cookie, fresh from the oven and accompanied with a little cold milk for dunking purposes. As far as I'm concerned, the bar-none gold standard of chocolate chip cookies is ...

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June 7, 2021

Why You Should Always Haggle When Comparing Money Transfer Firms

By Enero Febrero

A good website and a recognizable brand name does not a great money transfer company make. With so many options to choose from, there is no reason for consumers not to investigate many different firms when trying to figure out who to transfer their ...

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June 3, 2021

3 Eco-Friendly Home Improvements That Will Actually Save You Money

By Corazon Gritar

Many people seem to be under the impression that most products intended to be energy-efficient actually cost more money to purchase than the product saves over time. However, if shoppers want to genuinely save some money on their eco-friendly ...

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June 2, 2021

Are You Prepared for Long-Term Care?

By Sabado Domingo

Statistics show that more than 75% of individuals age 65 and older will need some sort of long-term care as they age. Furthermore, there are a lot of misconceptions and a general lack of understanding and education about long-term care. Consider ...

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May 26, 2021

Joint vs. Separate Bank Accounts: Which One Is Better?

By Mikey Rox

It's the eternal question for those who settle down together is and always will be: separate or joint bank accounts? There are arguments for and against both scenarios. So sit down, read this with your boo, and then have a conversation about what ...

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May 18, 2021

7 Modest Wedding Gifts that I’m Still Enjoying 25 Years Later

By Len Penzo

This week the Honeybee and I will celebrate our 25th wedding anniversary. All things considered, our wedding day was a very frugal affair -- but that didn't affect our celebration by any means. And while we were married in May, it turns out that ...

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May 17, 2021

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