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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

Get to Know the Cost of a Full Roof Overhaul

By Corazon Gritar

cost of a new roof

A full roof overhaul is one of the biggest home projects you will ever plan, and understanding the cost drivers helps you make confident decisions. Prices vary by roof size, pitch, and material, but also by the unseen details: underlayment, flashing, ...

Continue reading Get to Know the Cost of a Full Roof Overhaul

December 10, 2025

A Lifestyle Review of Historic Princeton, New Jersey

By Enero Febrero

Princeton University regularly earns top ranking among national colleges, but there's much more to Princeton, New Jersey, than its academics. Princeton, the product of a merger between a borough and a township, walks the line between bustling and ...

Continue reading A Lifestyle Review of Historic Princeton, New Jersey

December 3, 2025

8 Clever Low-Cost Homemade Gifts Everyone Will Enjoy

By Anum Yoon

Are you struggling (again) to come up with some unique Christmas gift ideas? This year, instead of waiting in long lines at the shopping malls or surfing hundreds of websites, why not try something different? Give a low cost homemade Christmas gift ...

Continue reading 8 Clever Low-Cost Homemade Gifts Everyone Will Enjoy

November 25, 2025

3 True Loan Stories: How to Lend Money to Family & Friends

By Len Penzo

Giving out a loan is always a dicey proposition. After all, once you lend the money, there's no guarantee it will be repaid. The stakes are even higher when we lend money to our friends and family – or even cosign a loan – because we not only risk ...

Continue reading 3 True Loan Stories: How to Lend Money to Family & Friends

November 24, 2025

A Few Thoughts from Aunt Doris: The Neighborhood Bully

By Aunt Doris

This is another repost from an occasional series by my dear Aunt Doris, who passed away in 2015 at the age of 94. When I was in my early teens, Mum and I moved from Kensington to Notting Hill in London. (Yes, the same Notting Hill as the Julia ...

Continue reading A Few Thoughts from Aunt Doris: The Neighborhood Bully

November 19, 2025

Holiday Gift Ideas Under $40

By Mikey Rox

holiday gifts under $40

I've already presented a list of holiday gifts for under $25. If your budget is a little bigger, but you're still at odds with your decisiveness on what to get some people on your holiday gift list, then consider this collection of even more ideal ...

Continue reading Holiday Gift Ideas Under $40

November 18, 2025

The Importance of Investing in Garage Functionality & Everyday Use

By Corazon Gritar

A garage that works the way you live can add calm to busy mornings, protect valuables, and open up space inside the house. According to a survey by investment firm Crescent Communities, about 55% of Americans spend one to two hours in the garage each ...

Continue reading The Importance of Investing in Garage Functionality & Everyday Use

November 5, 2025

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

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