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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

The 9 Biggest Rules for Dating on a Budget

By Mikey Rox

For most people, dating is fun. However, dating isn't cheap, and depending on what you two like to do, it can take a sizable toll on your finances. Back in the day, taking your date to a fancy restaurant and an extravagant activity meant you ...

Continue reading The 9 Biggest Rules for Dating on a Budget

October 14, 2025

How to Find the Best Pest Control Company

By Sabado Domingo

Like it or not, pests in the home are a fact of life. And the truth is, most people will end up having to call a professional pest control service -- no matter whether it's to get rid of a serious bug problem in the kitchen, rats in the attic, or ...

Continue reading How to Find the Best Pest Control Company

October 8, 2025

What Kind of Family Expenses Should You Budget For?

By Corazon Gritar

It is easier to budget and plan for family expenses when you are solo or with a partner. However, as soon as the first child arrives, the family expenses should be revised by a bigger percentage. The way you manage your money will significantly ...

Continue reading What Kind of Family Expenses Should You Budget For?

September 30, 2025

Does Birth Order Influence Financial Behavior?

By Len Penzo

Many people believe birth order is responsible for their status in life. I happen to be a firstborn child, which is why I love to remind my younger sister that scientific studies suggest firstborn kids are smarter than their ...

Continue reading Does Birth Order Influence Financial Behavior?

September 29, 2025

Are Two Household Incomes Really Better Than One?

By Len Penzo

Not too long after our first child was born, the Honeybee left her position as a paralegal for a bankruptcy attorney. The truth is, she very much wanted to be a stay-at-home mom. It was a decision that we had both happily agreed to before we were ...

Continue reading Are Two Household Incomes Really Better Than One?

September 22, 2025

Why Personal Deficit Spending Can Actually Be a Good Idea

By Neal Frankle

Most personal finance bloggers extol the virtues of frugality and I'm normally among them. It's true. People generally get wealthy (and more importantly stay wealthy) because they learn to live well below their means. But sometimes, personal deficit ...

Continue reading Why Personal Deficit Spending Can Actually Be a Good Idea

September 17, 2025

Lower Your Heating Bill with this Home Winterization Checklist

By Anum Yoon

Saving on your heating bills during the winter is easier than many think. While some may claim substantial savings can only occur after an entire heating system revamping or a lofty project, you can lower your home heating bill by doing just a few ...

Continue reading Lower Your Heating Bill with this Home Winterization Checklist

September 16, 2025

Smart Home Investments: How to Cut Costs and Boost Efficiency

By Corazon Gritar

In an era where efficiency and cost-saving are crucial, investing in a smart home is becoming increasingly attractive to homeowners. The concept of a smart home is not only about having the latest technology but also about making strategic decisions ...

Continue reading Smart Home Investments: How to Cut Costs and Boost Efficiency

September 15, 2025

Are You Prepared for Managing Money and Other Responsibilities?

By Mr. Credit Card

I have an 11-year-old son who is clamoring for a cell phone. But cell phone aside, my son has been getting an allowance and, quite often, Granny tops off his piggy bank during Christmas and his birthday. I've observed some very interesting things ...

Continue reading Are You Prepared for Managing Money and Other Responsibilities?

September 15, 2025

13 Items to Keep in a Fireproof Safe

By Len Penzo

For some people, it's tough letting go. Of anything. Take my wife, for instance; she saves everything. The other day the Honeybee showed me her baseball ticket from our very first date way back on September 24, 1995. And if I ever feel oddly ...

Continue reading 13 Items to Keep in a Fireproof Safe

September 1, 2025

7 Signs That the Home You Want to Buy or Rent Has a Pest Problem

By Sabado Domingo

So you think you found the home of your dreams? Well, that potential dream home could easily turn out to be a nightmare if you don't pay attention during the house hunting process. After all, it's easy to overlook a pest problem; many new home buyers ...

Continue reading 7 Signs That the Home You Want to Buy or Rent Has a Pest Problem

August 27, 2025

9 Movie Theater Extras That We Could All Do Without

By Len Penzo

Let me tell you, sometimes this working-for-a-living thing isn't all it's cracked up to be. For the past couple of weeks I've been in one of those high-pressure do-or-die phases that requires me to be at the office from six in the morning to six at ...

Continue reading 9 Movie Theater Extras That We Could All Do Without

August 25, 2025

4 Ways Social Media Use Makes You Vulnerable to Identity Fraud

By Anum Yoon

Most of us use at least one form of social media to stay in touch with friends and family we don't get to see every day. Whether it's Facebook, Snapchat, Twitter, or Instagram, social media gives us the ability to share updates with all our friends ...

Continue reading 4 Ways Social Media Use Makes You Vulnerable to Identity Fraud

August 19, 2025

How to Navigate Selling Your Home When a Property Chain Breaks

By Sabado Domingo

Selling a home can be stressful, but when a property chain breaks, it can feel like everything is falling apart. If you’re in the middle of a sale and suddenly hear that the buyer has backed out – or the person buying their home has – it can leave ...

Continue reading How to Navigate Selling Your Home When a Property Chain Breaks

August 14, 2025

Outdoor Living: What to Consider When Buying a Vacation Home

By Corazon Gritar

No matter where your family lives, there is no arguing that natural spaces are often more appealing. Fresh air, sprawling lakes, and abundant wildlife offer an escape from everyday distractions, so it's no wonder that 37% of families say that ...

Continue reading Outdoor Living: What to Consider When Buying a Vacation Home

August 12, 2025

Why Do We Honor Kids Who Never Missed a Day of School?

By Len Penzo

The other day my daughter, Nina, got hit with a 24-hour flu bug that had her kneeling over the toilet all morning long. I felt bad for her, and don't know for sure where she picked it up, but that's not important. Right now I'm just waiting with ...

Continue reading Why Do We Honor Kids Who Never Missed a Day of School?

August 11, 2025

Still Renting? Here Are 5 Signs You’re Ready to Buy a House

By Katie Bassett

Calling all renters! Let's take a look at all of your previous living situations. By now, I'm sure you have dealt with your fair share of landlords, both extremely accommodating as well as a few uncooperative. You've forked over several down ...

Continue reading Still Renting? Here Are 5 Signs You’re Ready to Buy a House

August 6, 2025

Family Business Partnerships: How to Keep Them from Tearing the Family Apart

By Mikey Rox

Thinking about going into business with a family member? Tread lightly; one disagreement could rip that relationship to shreds. Fortunately, you can give yourself the best chance of success by following a few key tips that are designed to keep a ...

Continue reading Family Business Partnerships: How to Keep Them from Tearing the Family Apart

August 5, 2025

My 17th 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 four years. After a huge run-up in prices for everything from gasoline to food - and despite the latest consumer price index showing that ...

Continue reading My 17th Annual Cost Survey of 10 Popular Brown Bag Sandwiches

August 4, 2025

Reverse Mortgage Pros and Cons That Every Homeowner Needs to Know

By Anum Yoon

The reverse mortgage is a financial option that has been around for decades, but relatively few people ever use them. However, the truth is, many people in their sixties and older end up with a majority of their wealth tied up in their home, while ...

Continue reading Reverse Mortgage Pros and Cons That Every Homeowner Needs to Know

July 29, 2025

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