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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

7 Money-Saving Packing Tips for When You’re Moving Out

By Enero Febrero

What does the process of moving out look like? Well ... it's a complete mess! Just picture hundreds of boxes and bags, wrapped furniture and appliances literally everywhere in your home. During this period, you may not even have the time to eat ...

Continue reading 7 Money-Saving Packing Tips for When You’re Moving Out

September 15, 2017

How to Find the Cheapest Broadband So You Can Save a Small Fortune

By Sabado Domingo

The days when only a few people had access to the Internet are long gone. The Internet now provides us with endless information and has near endless uses -- so having reliable access is a must in today's world. But what do you really need in an ...

Continue reading How to Find the Cheapest Broadband So You Can Save a Small Fortune

August 18, 2017

A Simple Budgeting Plan for Those Who Struggle with Discipline

By Antonio Fortunato

Len reminds us regularly of the power, importance and necessity of family budgeting; and budgeting is a staple in his top five tools for the successful household CEO. This article is not meant to replace the critically important family budget. ...

Continue reading A Simple Budgeting Plan for Those Who Struggle with Discipline

July 25, 2017

4 Tips for an Easier, Less Stressful Relocation

By Tex Freitag

Choosing the best place to live is a difficult decision, but according to statistics on moving from the US Census Bureau, it's a decision millions of us make -- 11% of Americans move each year. As many movers learn, once the choice to relocate is ...

Continue reading 4 Tips for an Easier, Less Stressful Relocation

July 21, 2017

If You Can’t Live on $40,000 Per Year, It’s Your Own Fault

By Len Penzo

Awhile back I described ten common characteristics of debt-free people. In that article, I specifically asked my readers to consider this question: "Why is it that there are families out there with household incomes under $40,000 comfortably ...

Continue reading If You Can’t Live on $40,000 Per Year, It’s Your Own Fault

April 10, 2017

The Honeybee Helps Me Review Blue Apron’s Home Delivery Meal Service

By Len Penzo

This is a product review for Blue Apron. Product Overview: Blue Apron is a fresh ingredient and recipe delivery service designed to help home chefs of all skill levels cook creative and tasty meals at home. Each week, Blue Apron does the menu ...

Continue reading The Honeybee Helps Me Review Blue Apron’s Home Delivery Meal Service

March 21, 2017

Real Estate Agents: Why They’re Not Worth It

By Len Penzo

I've sold one house in my lifetime -- way back in 1997 -- and I did that without a real estate agent. Yep ... For sale by owner (or FSBO). It wasn't supposed to be that way.I actually started out with a realtor because I thought it would be crazy ...

Continue reading Real Estate Agents: Why They’re Not Worth It

March 20, 2017

My State of the Household Report, Net Worth, and 2016 Expenses

By Len Penzo

I've said it before and I'll say it again: When it comes to money management, one of the most important pieces of information anyone can have is a detailed summary of where your household income was spent during the previous year. I've been ...

Continue reading My State of the Household Report, Net Worth, and 2016 Expenses

January 13, 2017

How People Spent Their Money During the Past 75 Years

By Raul

Consumer spending makes up a large percentage of the United States economy. We all have bills to pay and mouths to feed. But where do Americans spend their money? Take a look at this chart below to see a breakdown of how Americans spent their ...

Continue reading How People Spent Their Money During the Past 75 Years

January 3, 2017

A List of the Best Selling Christmas Toys Since 1983

By Len Penzo

If you're old enough, you probably remember the Cabbage Patch Doll. The strange-looking dolls were an instant hit, and by 1985 they had scored more than $600 million in sales. Of course, most of those sales occurred during Christmas. In fact, ...

Continue reading A List of the Best Selling Christmas Toys Since 1983

December 7, 2016

The $100,000 Salary Benchmark Is Woefully Overrated

By Len Penzo

In 2004 my gross annual income crossed the magical $100,000 benchmark for the first time. Reaching that milestone became a personal goal after graduating with an electrical engineering degree in 1988 and taking my first job at a salary of $31,000. ...

Continue reading The $100,000 Salary Benchmark Is Woefully Overrated

December 5, 2016

12 Deadly Foods to Keep Away from Your Pets During the Holidays

By Judy Koutsky

The holidays are a time for delicious food and a lot of sharing. But while it may seem harmless to give your pet a little bit of Grandma's chocolate cake, it can actually make him really sick. In fact, there are a number of holiday treats for humans ...

Continue reading 12 Deadly Foods to Keep Away from Your Pets During the Holidays

November 16, 2016

Here’s Proof of Skyrocketing Inflation in Our Most Basic Necessities

By Jeff Desjardins

The way that economic data is presented, we often think of inflation as a singular number representing a general increase in prices. For example, it might be reported that nominal GDP growth was 3%, and that inflation was 2%. Since the inflation ...

Continue reading Here’s Proof of Skyrocketing Inflation in Our Most Basic Necessities

November 2, 2016

6 (Really) Frugal Halloween Costume Ideas for the Kids

By Len Penzo

So the Honeybee took our two kids out shopping for Halloween costumes this week and spent a grand total of $69.43. This is not only a ghastly amount of money to spend on Halloween costumes, but it's totally unacceptable in my opinion. What, ...

Continue reading 6 (Really) Frugal Halloween Costume Ideas for the Kids

October 17, 2016

My Solar Power Savings Report Card – One Year Later

By Len Penzo

As most of you know by now, I had solar panels installed on the roof of our house back in 2015. Well, it's been a full year since I flipped the switch on my new solar electricity system and the results have been nothing short of amazing. Rather than ...

Continue reading My Solar Power Savings Report Card – One Year Later

July 3, 2016

The Price of Silence: How to Stop Annoying Dogs That Bark Constantly

By Len Penzo

When I was in high school, I had a classmate named Steve Kowolski who used to bug the bejesus out of me and my buddies. Okay, to be honest, Steve's last name wasn't Kowolski -- although he did have a last name that ended in "ski." Anyway, the ...

Continue reading The Price of Silence: How to Stop Annoying Dogs That Bark Constantly

May 23, 2016

My Porch Remodel (Phase 2): Hardscape, Railing and Total Project Cost

By Len Penzo

Well, it took a couple of months longer than the Honeybee and I originally anticipated, but after a few delays due to uncooperative weather, supplier issues, and one less-than-scrupulous contractor, we finally completed our porch remodel ...

Continue reading My Porch Remodel (Phase 2): Hardscape, Railing and Total Project Cost

May 9, 2016

Why Private Schools Are a Financial Rip-Off

By Len Penzo

Most parents end up considering private education because they only want the best for their child. But today I'm going to show you why, from a purely financial perspective, private schools are not worth the price of admission. Well, that is unless ...

Continue reading Why Private Schools Are a Financial Rip-Off

May 2, 2016

My Porch Remodel (Phase 1): New Columns and the Hunt for Obsolete Bricks

By Len Penzo

I've already shared my remodeling adventures with our kitchen and master bathroom -- so I thought I'd share our latest home improvement sojourn. After 18 years, the Honeybee and I finally decided to give our front porch an upgrade. To be honest, ...

Continue reading My Porch Remodel (Phase 1): New Columns and the Hunt for Obsolete Bricks

February 10, 2016

Poll: The 5 Biggest Money Regrets of 2015 — and How to Conquer Them

By Fred Schebesta

I'm confident that this time last year, scrawled on your list of New Year resolutions, was a sentence relevant to at least one of these four phrases: 'save money' 'stop spending' 'get out of debt' 'stick to a budget' According to a ...

Continue reading Poll: The 5 Biggest Money Regrets of 2015 — and How to Conquer Them

January 6, 2016

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