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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

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100 Words On: The True Meaning of Christmas

By Brian K. Walters

In today's day and time, It's easy to lose sight, Of the true meaning of Christmas And one special night. When we go shopping, We say 'How much will it cost?' Then the true meaning of Christmas, Somehow becomes lost. Amidst the tinsel, ...

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December 17, 2015

12 Ways to Help Prepare Your Kid for the Real World (Part 2)

By Mikey Rox

This is the second half of a two-part article. If you missed Part 1, click here. Goal Setting & Achievement But what a lot of people get wrong here is setting goals that are too broad or completely unrealistic; it's a setup for failure when ...

Continue reading 12 Ways to Help Prepare Your Kid for the Real World (Part 2)

September 18, 2015

Why Everyone Should Get Financially Naked BEFORE Marriage — Not After

By Len Penzo

Does love really conquer all? Not when it comes to money matters, it doesn't. As Get Financially Naked states in its opening pages, when it comes to relationships, financial compatibility is as important as emotional and physical compatibility. ...

Continue reading Why Everyone Should Get Financially Naked BEFORE Marriage — Not After

February 4, 2015

How to Quickly Tell If Your Grocer’s Produce Is Genetically Modified

By Len Penzo

It's a no brainer: if you want to be healthy you'd have to eat more fruit and vegetables -- but there's a caveat. Pesticide residue that's left on produce can lead to a variety of ailments over the long term. Pesticides can accumulate inside the body ...

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December 23, 2014

Why Your Favorite Charity Shouldn’t Be You

By Antonio Fortunato

Charity is defined as an act of giving, not coerced and not expecting anything in return; an act motivated by the desire to help those less fortunate than yourself. Awhile back, there was an article on this blog by a guest author who explained why ...

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December 17, 2014

A Low Cost Way to Stay Connected to Your Kids Without Cell Phones!

By Guest

(Readers: This is a sponsored post from Amber Alert GPS.) What's cheaper than a cell phone, and lets you stay connected with your kids? "We're on a tight budget, and every dollar counts. But we need to buy two cell phones for our 10-year-old ...

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December 12, 2014

Pictures of Our $23,922 Bathroom Remodel (and Some Lessons Learned)

By Len Penzo

After eight weeks, our master bathroom remodel is finally finished. I guess I shouldn't complain; we waited 17 years to make the upgrade. It was also the last room in our modest 2000 square-foot, three-bedroom, two-and-half bathroom home to get a ...

Continue reading Pictures of Our $23,922 Bathroom Remodel (and Some Lessons Learned)

August 4, 2014

Taste-Test Experiment: 11 Kids Evaluate Name-Brand vs. Generic Cereals

By Len Penzo

When it comes to breakfast, kids can be real cereal killers. Unfortunately, for those of us trying to lower our grocery bill, name-brand cereals can be a very expensive proposition. That got me thinking: Can kids really tell the difference between ...

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July 30, 2014

My Kids’ Loan Interview with the Bank of Dad

By Len Penzo

When it comes to money matters, my two kids manage their personal finances in completely opposite ways. In fact, it is utterly amazing to me that my children are even related. My nine year-old daughter, Lenina, likes to set goals and save her ...

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April 17, 2014

Brazilian Hyperinflation: A Reader Explains What Life Was Like (Part 2)

By Len Penzo

(In Part 1, Leasi shared her account of life in Brazil during the hyperinflation that raged there between 1984 and 1994. Part 2, is a Q&A with Leasi that sheds a little more light on what she endured during that time.) Len: Thanks for taking ...

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March 18, 2014

Your Big Fat Expensive Wedding: Stupid Is As Stupid Does

By Len Penzo

According to the New York Daily News, Chelsea Clinton and Marc Mezvinsky spent roughly $3.3 million in 2010 on their marriage celebration. Talk about a big fat expensive wedding. The good news is, more than three years after saying "I do," the ...

Continue reading Your Big Fat Expensive Wedding: Stupid Is As Stupid Does

January 27, 2014

Why I’m Making My Daughter Pay for Her Dental Braces

By Len Penzo

"This is going to hurt me a lot more than it is going to hurt you." That was an admonition Mom or Dad occasionally gave me and my sister when we were growing up -- and I know we weren't the only kids to hear those words either. Of course, as a ...

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January 13, 2014

If I Got to Pick the Gifts in “The 12 Days of Christmas”

By Len Penzo

I don't mean to sound like a scrooge, but when it comes to Christmas carols, "The 12 Days of Christmas" has got to be the most annoying one of them all, even when Burl Ives sings it -- and nobody sings Christmas carols like Burl Ives. Okay, you ...

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December 16, 2013

How I Live on Less Than $40,000 Annually: Jonathan from Ohio

By Guest

My name is Jonathan. I'm 27 and I've been married to my wife, Kate, for almost four years. We have three girls, ages 3, 1, and a newborn. After graduating from college, Kate worked for two years at a job that paid $35,000 annually. Then, after our ...

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August 14, 2013

The Trouble with Buying Movie Tickets Over the Internet

By Len Penzo

We all come across things in life that are wildly popular, even though it makes little sense to us. Take "Duck Dynasty" -- going into its fourth season, it's one of the hottest shows on cable television. I recently watched a couple of episodes ...

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July 1, 2013

Cheap Cooking: Fantastic Frugal Meal Ideas from Past and Present

By Len Penzo

I was on an extremely tight budget when I was in college, so I had cheap cooking down to a science. Back then, dinner was number four on my list of priorities; right after tuition, beer, and rent -- in that order. Many people on limited incomes ...

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June 26, 2013

Is Cell Phone Insurance Really Worth It?

By Len Penzo

Last month our previous cell phone contract finally expired. That made the Honeybee happy because it meant we could finally move to a new carrier with better coverage. However, nobody was more excited than the kid with the fastest thumbs in the ...

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June 10, 2013

A Small Victory in My Quest to Raise Financially Literate Kids

By Len Penzo

Teaching kids about personal finance is not an easy job. Even so, as a parent I believe it is my responsibility to ensure that my kids have a thorough understanding of good personal finance practices before they leave the nest. Ultimately it will ...

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April 10, 2013

Economic Collapse 101: What It Will Look Like, and How It May Start

By Len Penzo

It takes courage to face the bogeyman. I bet many of the good folks in Great Falls, Montana, were more than a little worried earlier this month after a local television station there sent out an ominous message warning viewers that the dead were ...

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February 27, 2013

9 ‘Oops’ Moments That I Ultimately Paid For (One Way or Another)

By Len Penzo

Last week I needed to venture into my attic to check on some rat traps, so I grabbed my flashlight to help me navigate my way through the rafters. As luck would have it, the flashlight wasn't working; the last person who used it forgot to turn the ...

Continue reading 9 ‘Oops’ Moments That I Ultimately Paid For (One Way or Another)

February 25, 2013

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